Basically it doesn't matter. Credit cards can only be used if they are activated. According to the regulations of China Banking Regulatory Commission, the issuing bank cannot charge an annual fee for unused credit cards when issuing cards. So you can't use the card without activating it, and you don't need to pay, but if you don't activate the card for a long time, it will be invalid. Before it expires, it will be reflected in your credit report: you have such a credit card, but you have not activated it.

However, it still needs to be reminded that at present, most credit cards above platinum level, special annual fee products and some credit cards with special materials will charge annual fees after they are issued, which means that even if such credit cards are not opened, they will be charged annual fees by banks, and there is usually no annual fee reduction policy, so it is best to determine your own charging type before you know whether there is any arrears.

If there is no demand for credit card use, don't actually apply for a card. Since it is done, it is actually very convenient to open a card, and normal use will also help you to handle credit card, loan and other businesses in the future.

The safest and most reassuring way is to consult the credit card customer service of Bank of Communications. They can give you the most authoritative answer. The telephone number is 95559.

Extended data:

Bank of Communications credit card account opening process:

There are usually three ways to activate a credit card:

First, through the activation of the bank counter where the credit card is located, I need to come forward and my original ID card and credit card;

Second, dial the credit card service phone on the calling card to activate;

Log in to credit card online banking and activate online.

Service telephone activation method: dial the 24-hour customer service hotline displayed on the back of the credit card, select the corresponding language, and then enter the cardholder's card number and inquiry password; According to the voice prompt, select the card activation option under the menu of "Credit Card Activation and Password Management"; Enter the last 3 digits printed after the signature column on the back of the cardholder's credit card, and press # to confirm; Enter the cardholder's home phone number, and then press # to confirm; Enter 6 digits as the cardholder's transaction password and press # to confirm; Enter the 6-digit transaction password again and press # to confirm; The transaction password was set successfully.

Online activation of credit card: firstly, log in to the online banking page of bank credit card and enter the cardholder's card number and password; Please modify the query password in time after logging in; After the initial password of the credit card is successfully modified, please log in to the online banking again; After logging in for the second time, please click "Credit Card Activation" and enter the signature column on the back of the credit card to print according to the page prompts. Last 3 digits and home phone number; After the activation is successful, enter 6 digits as the transaction password according to the prompt; If the "password confirmation transaction" function is not checked on the application form, the transaction mode can be changed to password+signature after the setting is completed.