1, because when you apply for a credit card, your ABC credit card account has been created, and the bank has to bear some expenses such as data processing and information maintenance. These costs don't exist because you haven't used them. Therefore, it is "out of cost" for banks to charge annual credit card fees, regardless of whether you have used them.
2. Pay attention to the credit card when it is not used for a long time. When handling a credit card, you must know clearly in advance, and don't be misled by the credit card salesman. Blindly handling cards may cause your own financial losses and affect your credit. Therefore, when handling cards, it is necessary to deal with unnecessary cards in time, and it is best to cancel the account in time.
Extended data
security issue
Because credit cards are convenient and fast to use, coupled with the rapid development of science and technology, credit cards are facing security problems because of the mechanism of spending first and then paying.
The problem is getting more and more serious, and major international credit card groups and global card-issuing financial institutions are facing severe challenges. The security problems of credit cards are mainly divided into the following five aspects:
Credit card: criminals or criminal groups use forged or invalid cards (expired/lost/invalid/damaged tapes, etc.). ) pretending to be a real card, directly deceiving merchants or card issuers.
Cardholder: improper card storage/handling (expired/tape-invalid credit cards are not destroyed, or they are not immediately invalid after being lost, etc. ), and personal identity information is inadvertently stolen or defrauded. In order to avoid such problems, citizens should not easily provide personal identification information, and it is best not to entrust others to handle credit cards.
Consumer merchants: the service personnel swindle the cardholder in the process of consumption, or steal his credit card information to other merchants for consumption. This situation can happen whether it is a physical business or a network virtual business.
Reference source: Baidu Encyclopedia: Credit Card