There are two situations that should be noted about the cancellation of inactive credit cards. First of all, if the credit card has not expired, you need to submit a cancellation application to the bank first, and then go to the bank outlet for formal cancellation after the application is processed. This process may take some time to wait.

If the card has expired and the account balance is zero, you can go directly to the designated branch of the bank to cancel the account. You don't need to apply in advance, just bring your original ID card and card. If you can't handle it in person, you can authorize others to do it on your behalf, but the agent needs to bring your power of attorney and their original valid identity documents to handle the business on your behalf.

It is worth noting that even if the credit card is not activated, its related information such as approval time, currency and initial limit will still be recorded in the personal credit report. If you don't activate these cards, if there is a subsequent credit demand, banks or other financial institutions may take the records of these inactive cards into account when approving, which may have an impact on your credit evaluation. In the worst case, your credit application may be rejected or the loan amount may be reduced.

Therefore, if you have a large number of inactive credit cards, these may have an indirect impact on your personal credit history. Therefore, it is very important to manage your credit card application reasonably.