The inactivation of the applied credit card will have a certain impact on the applicant. The specific circumstances are as follows: 1. It affects the applicant’s credit report. After the applicant applies for a credit card, it will be displayed in the bank's credit reporting system. If the cardholder does not activate it for a long time, there will be a record of "The card has not been activated" in the credit reporting system, which may affect his or her future loans and other credit cards. Apply. 2. A certain annual fee may be incurred. Some banks start charging annual fees from the day the credit card is mailed, while others start charging annual fees from the second year. If the cardholder does not activate the card for a long time, resulting in arrears, he will not only have to pay penalty interest and late payment fees, but may also affect his personal credit. Finally, if the credit card is not used, the cardholder can cancel the card at the counter or over the phone to avoid any impact on the credit report.

1. How long does it take for a credit card to become invalid if it is not activated

If a credit card is not activated, it will not become invalid until the validity period of the credit card expires. Many people mistakenly believe that a credit card will become invalid if it is not activated for 2 months. This is not the case. Credit cards issued by various banks are generally valid for 3-5 years, and special cards are valid for 8 years. If the credit card is not activated, it means that you need to wait 3-5 years or 8 years before it becomes invalid. However, it should be noted that the Platinum Card will charge an annual fee even if it is not activated.

The China Banking Regulatory Commission stipulates: "Banking financial institutions shall not deduct any fees before the cardholder activates the credit card. The cardholder authorizes the banking financial institution to deduct fees in a written customer service center phone recording or electronic signature. Except. "Normally speaking, if the credit card is not activated, there is no annual fee. But this is not the case with many platinum cards. Even if you do not activate it, you will still be charged an annual fee. To put it simply, platinum card is a higher-level card among credit cards. Platinum card provides many value-added services, such as airport transfers, airport VIP treatment, million-level aviation accident insurance, etc.

Because the Platinum Card needs to provide some high-value value-added services, the bank has to bear a large expenditure for this. Therefore, there is such a rule that even if platinum card users do not activate the card, they will still be charged the same annual fee. Therefore, platinum card users must remember that even if they do not activate, there will still be an annual fee. For regular and gold card users, it is best to call the bank to confirm whether there will be an annual fee or other fees if it is not activated.

2. What are the credit card banks?

1. State-owned banks: Bank of China, Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Postal Savings Bank;

2. Commercial banks: China Merchants Bank, Bank of Communications, China Guangfa Bank, China CITIC Bank, Industrial Bank, China Minsheng Bank, Ping An Bank, Shanghai Pudong Development Bank, China Everbright Bank, Huaxia Bank, Citibank;

3. Regional banks: Bank of Beijing , Bank of Jiangsu, Shanghai Rural Commercial Bank, Baoshang Bank, Bank of Ningbo, Bank of Hangzhou, Bank of Nanjing, Bible Bank, Bank of Shanghai, Bank of Chongqing, Bank of Harbin, Bank of Tianjin, Bank of Wenzhou, etc. Many cities have a regional bank.