Generally, there are two situations for credit card processing, namely, activated and inactive. Inactive cards can be used, but for activated cards, they will be cancelled if they are not used. Let's introduce these two situations in detail:

1. The first case is not activated: if the credit card is not activated after processing, it means that the card has been cancelled and cannot be used. In this case, it will not cause adverse effects and losses to the cardholder, and you can choose not to use this card.

2. The second case is activation: under normal circumstances, the activated credit card needs to charge an annual fee, and the number of swipes per year can only be reduced if it meets the relevant requirements. If it is activated, the overdue record of the credit card will be adversely affected and interest will be charged, so if it is not used, the card will be cancelled.