1, annual fee.

For ordinary credit cards, there is no annual fee for non-activation, but some platinum cards and diamond cards are best to contact bank customer service to confirm the annual fee.

2. Credit information.

If the confirmation card is not activated, no annual fee will be charged, which will not cause credit card arrears and will not affect personal credit information.

3. Affect other banks to handle cards.

Each bank's audit policy is different, but customers are advised to cancel their cards if they can decide not to use them. If they don't use it for a long time, they will reissue the card, and the bank will carefully approve the card or the amount is relatively low.

4. Loan.

When making loans, banks generally consider credit information. If the loan is only made by the credit card issuing bank, the bank's loan approval will be affected if the credit card is not activated after the application.

5. Information leakage.

The validity period of a card is usually five or eight years. After the expiration, the bank will automatically replenish the card to the reserved billing address. If the card is not used for a long time and is not activated, it is easy to forget the card. If it happens to be moved, it will lead to the wrong address of the new card. If it is accidentally collected by others, your identity information may be leaked.

To sum up, if any credit card is not activated and you don't intend to use it, it is recommended to contact the bank for cancellation as soon as possible to avoid unnecessary influence in the future.