Credit cards are widely used in life, which facilitates the consumption of many people. But many people will choose not to activate after applying for a credit card, so how long will the inactive credit card expire? Do you usually pay attention? Let's talk about it in detail to let you know about this knowledge.

For most credit cards, users will not be activated, and only after the validity period of the credit card will it become invalid. As long as the user can activate it at any time within the validity period, the common activation method is to call the bank customer service hotline, and after activation, you can swipe your card for consumption.

When the credit card applied by the user is not activated, make sure that the credit card will not generate an annual fee, although most credit cards will not generate an annual fee if they are not activated. But many high-end credit cards, as long as they are issued by banks, will generate annual fees. At this time, if the cardholder does not pay attention, the annual fee will be overdue and personal credit will be affected.

If the applied credit card is not activated, the user can choose to cancel it without generating an annual fee, and can directly call for cancellation. However, after submitting the cancellation, the user needs to call for confirmation after 45 days. Only in this way can we know whether the credit card has been cancelled successfully.

If the user is not activated because the credit card limit is too low, this time is completely unnecessary. Because the credit card can be increased in the process of use, the new card can be increased for more than 6 months. After upgrading, it can meet a lot of consumption.

If users want to have a higher credit card, they can submit better financial proof when applying. On the premise of good personal credit, the amount of credit cards issued by banks will increase. Financial proof includes real estate license, provident fund, social security, vehicle information, etc. But don't pursue a high quota at ordinary times, it is generally enough.

Users must ensure that the credit card is repaid on time, and there can be no overdue repayment. After all, there will be penalty interest for overdue repayment, and the longer it takes, the more penalty interest will be generated. After the deadline, the bank will also upload the overdue records to the credit information center, which will affect the handling of various loans after the personal credit information becomes worse.