Even if the credit card is not activated, reporting the loss directly will cause problems. Because the credit card chip contains the customer's personal information, once it is picked up by criminals, it will lead to the disclosure of personal information and bring security risks. Criminals may activate credit cards for theft after obtaining customer information; It is also possible to use customers' information to handle small loans and even engage in some illegal acts.

Therefore, customers must not lose their credit cards casually. If you don't intend to use your credit card again, you can apply to the issuing bank for cancellation first. After the card is successfully cancelled, cut off the chip on the card and discard it.

Moreover, to cancel the credit card, it is necessary to ensure that there are no outstanding bills and extra overpayments on the card. Of course, if the card is not activated, then there is no bill default and overpayment. It's just that everyone needs to pay attention. Don't just cancel the card before it is activated. Think carefully before you apply for a credit card. Don't apply blindly, you don't want to use it after you finish.