If you apply for a credit card and don’t want to use it, you can just not activate it. There will be no impact. However, although most credit cards have no fees or annual fees if they are not activated, there are still some special cards that you need to pay attention to, such as some banks' platinum cards, customized cards, etc. Don't take it lightly, as it may cause overdue payments. Another point that needs to be reminded is that if you apply for multiple credit cards and do not activate any of them, it is likely to affect your personal credit record and make it difficult to apply for another credit card in the future, so don’t apply for multiple useless cards just for the sake of favor and face. manage.

Credit card cancellation method:

1. Before canceling the credit card, please make sure that there is no debt in the account and there is no balance;

2. When canceling a credit card, call the credit card customer service number to apply for cancellation.

3. It is completely free to cancel the credit card, and there is no cancellation fee.

Extended information:

Cancellation status

Canceling a credit card account is something you must do if you no longer intend to use the credit card. If you do not cancel the account, the bank will The annual credit card fee is charged annually.

As long as there is no overdraft on the card, you can apply for account cancellation at any time.

If the card has not expired, you need to apply first and go to the bank to cancel the account after a certain number of days; if the card has expired and the account balance is zero, you can go directly to the designated bank outlet to cancel the account. Account procedures. When canceling an account, you should bring the original valid identity document and card. If it is inconvenient for you to go through the account cancellation procedures, someone else can do it for you. The agent must hold a power of attorney written by the principal (in person) and bring the original valid identity document to handle the account cancellation business.

If your card has not expired when canceling a credit card account, some banks stipulate that you need to go to a designated outlet to handle the card collection business, and then go through the formal account cancellation procedures after a certain period of time (up to 30 days) . This is mainly because if the cardholder has made a manual card pressing transaction before canceling the account, the cardholder will have canceled the account before the merchant has submitted the card pressing form to the bank for entry into the account, and the bank will not be able to clear the account normally. ; On the other hand, if the cardholder spends money or withdraws cash overseas, it may take a few days to settle the account. If the account is closed immediately, it will also affect the bank's normal liquidation.

Reference: Baidu Encyclopedia-Credit Card