Applying for a credit card without activation generally does not affect the credit investigation. But personal credit cards will charge an annual fee even if they are not activated. Failure to return the annual fee on time is overdue. If it is overdue for a long time, it will be reported to the credit. Therefore, when applying for a credit card, we must find out how to charge the annual fee for the credit card.

In fact, if the credit card is not activated, it is best not to apply. Even if it is not used after the application, there will be an application record in the credit report. If it appears frequently, it will still have various effects. After all, it is completely free to apply for a credit card, and the expenses such as card handling and express delivery are borne by the bank. If a card is not activated, it will lead to the bank's inability to make money in the later period and directly lose the cost of a card. It will be difficult to apply for a credit card in the future.

If the extended data credit card is not activated, it will generally not expire immediately. During the validity period of a credit card, you can generally activate the use of the credit card. In other words, even if the credit card is not activated, it can take effect before the expiration of the validity period of the card. For example, the validity period of a credit card is usually 3 or 5 years, so if the credit card is not activated, it will expire after about 3 to 5 years.