It has no effect on the card itself if it is not activated after the credit card application, but all credit cards have an expiration date, after which the card will be invalid. Some bank credit cards may be automatically cancelled if they are not activated for a long time, but many will not be cancelled.

According to the bank regulations, there may be some annual fees and other fees for credit cards that have not been cancelled. The expenses incurred by the inactive credit card will be credited to the cardholder's account in the form of credit card arrears. If the credit card is not repaid on time, your credit history will be affected.