After the credit card application is successful, if it is not activated, there will usually be no immediate negative impact, but the card itself will not be used normally. It is important to note that credit cards have an expiration date, and once they expire, the cards will be invalid. Banks handle credit cards that have not been activated for a long time in different ways, some of which may be automatically cancelled, while others require cardholders to apply for them on their own initiative. However, even if you don't activate it, you won't bear the extra expenses such as annual fee. However, the behavior of frequently applying but not opening a card will be reflected in the personal credit report, which will have an impact on future credit card applications. When approving credit cards or loans, banks may have doubts about the credit cards that applicants have applied for too much but have not used, thinking that there may be integrity problems or unclear needs, which may reduce your approval success rate.

Therefore, it is suggested that when applying for a credit card, you should choose the appropriate card according to your actual needs and activate it to enjoy the convenience and benefits brought by the credit card. If you choose not to activate, there will be no cost in the short term, but in the long run, it may cause unnecessary trouble to your credit score and future financial application. It is wise to plan rationally to ensure that your credit card is fully utilized and managed.