After applying for a credit card at Zhongyuan Bank, the user chose not to activate it, so what does it matter if it is not activated? Have you paid attention to it in normal times? Let me introduce it to you below to let you know the dangers of this aspect.
The inactivation of Zhongyuan Bank’s credit card will generally not have a big impact, but the unactivated credit card will be recorded on the personal credit report. If there is no activation record for a credit card applied for multiple times, regardless of whether it is from the same bank, it will have a certain impact on your personal credit. Therefore, try to activate it after applying for a credit card.
Users can choose different channels when activating a credit card, such as bank counters, mobile banking, SMS, official website, etc. After activating the credit card, they can swipe the card for consumption. When using a new card, consumption should generally be done step by step. Do not If you use up the entire limit at once, the bank will judge it as cashing out, which is very detrimental to the use of credit cards.
If you don’t want to use the credit card you applied for, you can choose to cancel it. Credit card cancellation is divided into card cancellation and account cancellation. Account cancellation means canceling all credit cards that the user has applied for in this bank. There may be more than one. And delete the user's basic information; if the card is canceled, the credit card itself is canceled and the personal information in the bank will not be deleted.
After canceling a credit card, it is generally necessary to confirm whether the cancellation has been successful after 45 days to avoid unexpected situations. If the cancellation is not successful, you can call the bank customer service to inquire about the specific reasons. After making corrections, you can apply for cancellation again. After subsequent cancellation is successful, remember to destroy the card immediately to prevent it from being used by criminals.
Users must return their credit cards on time after using their credit cards on a daily basis. Overdue payments will not occur, as penalty interest will accrue overdue payments. At the same time, overdue debts will be collected by the bank. If the cardholder is not repaid for a long time, the bank may sue the cardholder, and it must be returned after a court judgment. If it is not returned, the bank will apply for enforcement.