You must first understand the annual fee policy of this credit card. If there is no annual fee, it doesn’t matter if you don’t use it. If there is an annual fee, it is recommended that you cancel the card. The specific situation is as follows:

1. Generally, there is no problem if you do not open the card after getting it. However, there are also cases where a few banks need to charge annual fees even if the card is not opened. It is best to first Call customer service to determine the type of charge. .

2. If the card has been opened or the bank needs to charge an annual fee, if the credit card is not used for a long time, not only will the annual fee be charged because it does not meet the annual fee exemption rules, but the bank will also automatically reduce the limit. Once lost, the credit card will be refunded. Will cause theft losses.

3. Therefore, it is best to log out directly if it is not used for a long time. After success, it is best to cut the credit card to prevent it from being used by others after being lost. Avoid annual fees or other hassles.

Generally speaking, if the credit card is not activated, it will not affect personal credit. However, if the credit card you apply for is a high-end card or a customized card, annual fees may be incurred even if it is not activated. If you are not careful, it may The annual fee will be overdue, which will affect your personal credit.

The main consequences of not activating a credit card are as follows:

1. Annual fee: Banks are not allowed to charge annual fees to cardholders before they activate their credit cards. However, For platinum cards with higher levels from some banks, annual fees may be charged even if they are not activated. Therefore, if the user applies for a platinum card, he or she will still need to pay the annual credit card fee without activation. If the cardholder leaves the credit card unattended, then It is very likely that the annual fee of the credit card will be overdue;

2. There is a hidden risk of credit card theft for unactivated credit cards. If the credit card holder does not activate the credit card, criminals may use it to purchase personal information online, forge ID cards, and activate the credit card by exploiting bank customer service loopholes, thereby stealing the credit card and causing financial losses to the card holder;

3. Applying for the card again will result in rejection. If a user applies for a credit card from a certain bank, but does not activate it for a long time, and later applies for a credit card from the same bank, the bank will query the user's credit card information and find that the user has not activated the credit card, and the bank may think that the user has not activated it. A credit card is not specifically required, thereby denying the user's application.

Extended information

Hazard 1: Impact on personal credit record.

As long as the credit card application is approved by the bank and the card is issued, it will appear on the cardholder's credit report whether it is activated or not. Cardholders are likely to default on annual fees without knowing it, thus affecting their personal credit history.

Hazard 2: Increased cardholder expenditures.

For some special credit cards of certain banks, regardless of whether they are activated or not, once the cardholder signs and confirms, the bank will charge an annual fee, which will increase the cardholder's expenses.

Hazard 3: Increase the risk of fraud.

"Sleeping Card" is in a sleeping state for a long time and is not easily detected by the cardholder after being obtained by others, greatly increasing the risk of fraud.

Hazard 4: It lays hidden dangers for buying and selling accounts, opening accounts under false names and opening accounts with fictitious agency relationships.

According to reports from the public security organs, in the current new illegal and criminal activities on the telecommunications network, one of the bank accounts and payment accounts used by criminals to transfer fraudulent funds is to directly purchase bank accounts and payment accounts opened by individuals. .

Hazard 5: Waste of management resources.

This results in a waste of bank management resources, and accounts that have not been moved for a long time have also become internal risk points within the bank.