First, security risks.
For credit cards that have not been activated for many years, criminals can pretend to be bank customer service personnel to activate stolen credit cards, even if you cut the credit cards that have not been used for a long time!
Second, the high annual fee.
Most credit cards have an annual fee, which is usually free in the first year. After brushing enough times, the annual fee for the following year is free, and it can also be deducted by points. The sudden activation of credit cards that have not been used for a long time will generate high annual fees from the card surface. If you forget to return it, it will cause negative information to your credit information and pay overdue interest!
Third, it is not good for yourself.
We got the card but didn't activate it. The approval time, issuing bank and initial limit of this credit card will be recorded in the credit report, and there will also be records such as "The card is not activated". In this case, if you want to apply for a loan or a new credit card, it will be affected to some extent. The bank will consider whether you have applied for more than one credit card but failed to activate it, whether there is a credit problem or no demand in this respect, and even directly affect the approval rate of credit cards and loans. Moreover, in the process of handling credit cards, some banks will directly refuse to apply again after finding that you have more than 8 credit cards in other banks, which is risky!
Of course, none of the above is alarmist. What keeps you is either ignorance or bank ownership, and bank credit cards are available, not just new! Credit card cancellation is also very simple, mainly in the following two ways:
1. Customer service telephone number
Every bank has a corresponding customer service phone number. Some large banks have independent credit card customer service, but if you don't know about credit card customer service, you can still choose to call the general customer service number, and it is best to use the reserved mobile phone number when handling credit cards. Of course, if the mobile phone number is changed, go to the bank to change it and then cancel it. The general customer service will ask you a few questions, such as: your contact name and phone number? Your home address? Wait a minute.
Second, the manual counter
I took my credit card ID card and went directly to the artificial window of the bank outlet.
After cancellation, the magnetic stripe and chip must be removed from the credit card. Try to destroy the card number, the security code behind the card, the expiration date in front of the card and your name, and then throw it away, in case there is a chance! But now that you have a new credit card, some banks that are not activated for half a year will automatically cancel it, but I suggest you check it yourself. )
I used to study in other places. After work, i query received a letter of credit. A state-owned bank gave me three credit cards because the school cooperated with this bank. The campus cards that pay tuition fees belong to this bank. I don't remember a credit card at all, and I generally didn't do it when I was a student. Somehow, there are three more. I suggest you go and have a look!