First, credit will record all our card numbers, including those that are not activated. Although the number of cards is a small detail in the credit report, it will not have any influence, but this detail can reflect a lot of information, such as the applicant's subjective intention, the number of cards to be issued, whether there are too many cards and so on. , as reference information for dealing with banks in the future.
Second, inactive credit cards may also charge an annual fee. According to the regulations of CBRC, if the credit card is not activated, the bank may not charge an annual fee. However, if the cardholder does not carefully identify the provisions in the terms when applying, and authorizes the bank to automatically deduct the fee from the account, it may still generate an annual fee. The expenses incurred will be credited to the cardholder's account in the form of credit card arrears. If you don't repay on time, you will have high interest and liquidated damages, leaving a stain on your personal credit record. There are also some high-end cards and customized cards that need to pay an annual fee, and cards cannot be changed or reduced. As long as the nuclear cartoon passes, an annual fee will be charged, regardless of whether the card is opened or not.
Third, the bank will refer to the applicant's card information when handling the card. Inactive cards may reduce the credit limit and pass rate of credit cards in the future. Under normal circumstances, if there is an inactive credit card account with a low credit limit in the credit record, it will increase the negative impact on the credit card re-application. When banks examine and approve credit cards, they generally refer to the credit limit of the applicant's latest application, and most inactive cards are low credit limits.
Secondly, there is a cost for banks to approve card issuance, and it will be suspected of malicious card application if it is not activated after card issuance. If you apply for a card in this bank in the future, the staff will first check the applicant's deposit in this bank and the purpose of the card. If you see a record that the card is not activated, you will definitely lose points. The only solution is to make it clear to the staff that they did not activate the card for other reasons when they answered the bank's return call after handling the card.