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As long as you apply for a credit card, even if it is not activated, the card information will be recorded in detail in the cardholder's credit report. Therefore, if you have an unactivated credit card, it will affect your personal credit record. If you do not intend to use the card, it is best to cancel the account.

Card cancellation is also called single card cancellation, which is to cancel a certain credit card of the cardholder in a certain bank. When canceling a certain credit card, there may be other cards from this bank. Even if all the credit cards from this bank are canceled, the bank will still retain the cardholder's account, which includes the cardholder's personal information. Information, such as name, phone number, address, credit status and other records.

After closing the account, all the user's personal information in this bank will be deleted, and they will no longer be a customer of this bank. However, if the canceled credit card has been used and has bad records, it cannot be deleted. It is recommended that you wait five years after paying it off before canceling it. Therefore, from the perspective of ensuring the security of personal information, if you really don’t want to use your credit card, it is best to cancel your account.

Extended information:

Based on the basic functions, Pudong Development Credit Card’s security precautions for credit card use involve all aspects before, during and after the event. ***Designed The six-layer protection measures include the earliest security services such as free text messages, photo cards, and priority dispute resolution launched in China. It also has a unique 24-hour anti-fraud function, which can provide timely warnings for suspicious transactions around the clock and take preventive measures in advance.

If your card is lost or stolen, please call the customer service hotline immediately to report the loss in real time. The customer service hotline provides 7*24 hours of service; at the same time, Pudong Development Credit Card also provides cardholders with The free lost card protection service can provide compensation for domestic and overseas transactions made 72 hours before the loss is reported, with the compensation amount up to 100,000 yuan, which can be said to fully protect cardholders' card safety in an all-round way.

Ifeng.com - What is more dangerous than paying back the wrong card is paying back an unactivated credit card

Baidu Encyclopedia - Shanghai Pudong Development Bank Credit Card