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According to the relevant regulatory policies of the central bank, banks cannot charge any fees for unactivated credit cards, including annual fees, card swiping fees, SMS notification fees, etc. So usually, even if you apply for a credit card but don't cancel it, it won't have any impact.

However, when you check your credit history, there will be information showing inactive credit cards in the credit card column. Overall, these inactive credit cards have no impact on anyone. Regardless of whether you are applying for a loan or a credit card, banks will basically not look at these unactivated credit cards.

Extended information:

Notes on using credit cards:

Be sure to pay the annual fee. In addition, you can also increase your credit card limit by swiping more and more frequently. At the same time, repaying your loans on time and maintaining a good credit record are also ways to increase your credit limit. And now mobile POS cardless payment is also very convenient and belongs to online consumption. Combined with daily offline consumption, it can be used in a variety of ways.

When applying to change the billing date, you should pay attention to calculating the billing date to enjoy the longest interest-free period and relieve the pressure of tight funds. However, this technique cannot be used every month.

What are the consequences of not activating your credit card?

In the eyes of many people, as long as a credit card is not activated, it is just a piece of ordinary plastic and will not have any impact on your life. In fact, this kind of thinking is dangerous at present.

According to the requirements of relevant departments in my country, annual fees cannot be charged for unactivated credit cards, so there is no risk of overdue fees if they are not charged. Of course, for some banks’ VIP cards, annual fees may be incurred even if they are not activated. Failure to pay the annual fee on time may have a negative impact on your credit score. For those who have not yet bought a house, having a stain on their credit report may be something they cannot afford.

In addition, even inactive credit cards are at risk of being swiped. Some criminals today are very sophisticated. Although some banks' credit cards require personal activation, criminals can also crack them. Some time ago it was revealed that a woman lost her ID card and got married out of town, so don’t underestimate the strength of criminals now.

Furthermore, inactive credit cards will actually be reflected in your credit report, but they will just show that they are not activated. Because credit cards have a total credit limit, if you have multiple credit cards that are not activated and they occupy your credit limit, you may have some trouble getting a credit card with a high limit in the future. So, it is better to cancel the inactive credit card.

How to quickly cancel an unused credit card?

Some friends think that it is troublesome to apply for a credit card because of the many procedures. Is it troublesome to cancel the card? In fact, many banks currently have relatively simple procedures for selling credit cards.

First, you can choose to cancel the card by phone. Many credit cards have the customer service number of the relevant bank printed on them. Take a large state-owned commercial bank as an example. If you want to cancel your bank's credit card, just call the number above, which is very convenient.

Can I withdraw cash using a credit card? How to do it?

If the issuing bank of your credit card does not support phone card sales, you can also check whether mobile banking supports related operations. If that still doesn't work, you have to go to the relevant bank branch and ask the staff to cancel it for you.

Do not throw away canceled credit cards. It's best to cut the magnetic strips with scissors before working on them. Even if you cancel, don’t just throw away the complete card, as this will not give criminals any opportunity to take advantage of it.