Some banks charge an annual fee regardless of whether the credit card applied by the cardholder is activated or not. Because you have never used these credit cards, the annual fee will not be refunded, but will be credited to the cardholder's account in the form of arrears, which will lead to overdue.

In this case, it is difficult for cardholders to find out, and when they find out, they are likely to owe a large sum of money, which will not only lead to penalty interest and late payment fees, but also produce bad credit records, which will affect credit investigation.

Inactive credit cards will also be recorded in the cardholder's personal credit information system. Therefore, under this premise, if the cardholder wants to apply for a new credit card or loan in the future, it may be affected.

Banks will reduce the credit card loan quota and even affect the success rate of credit card loan approval, taking into account the problems such as the integrity or insufficient demand of cardholders who have handled multiple credit cards but have not opened them.

Now it is easier and easier to activate credit cards, and some banks can activate them by verifying their ID numbers. In this case, it increases the risk of being activated by others to steal the brush. Moreover, the magnetic stripe information on the credit card may be used by criminals to disclose personal information.