the validity period of a credit card is usually three to five years, and the validity period is printed on the card face of the credit card.

Most credit cards will not generate annual fees if they are not activated. Only some high-grade platinum credit cards and credit cards with special materials will have annual fees if they are not activated. Failure to pay annual fees will lead to overdue annual fees and bad credit records, so it is best to cancel the credit cards if they are not used.

within the validity period of the credit card, the credit card is not activated and will not be automatically cancelled.

the bank has no time limit for credit card activation. Credit cards can be activated and used at any time during the validity period. If they are not activated after the validity period, the cards will be cancelled and invalidated. Credit cards are generally valid for 3 to 5 years, marked on the front of the credit card, as long as they can be activated before that.

after the credit card application is successfully approved, even if you don't open the card, the approval time and specific amount of this card will be displayed in the personal credit report, and the words "this card has not been activated" will be displayed. Although it is not a bad credit record, if these "inactive" records are too many, it may affect the success rate and amount of credit applications in the future, because the financial institutions that review your credit information will think that you lack the demand for loans.

China CITIC Bank's credit card is not opened, and there is no annual fee for automatic cancellation in three years. Banks such as Bank of Communications, China Construction Bank, China Merchants Bank, China Minsheng Bank, etc. basically charge it by force, ranging from 8 to 3 per year. If you want to get rid of it, you need to swipe your card 3 to 6 times a year. Even if the card is not opened and activated, you will be charged an annual fee as long as the card is issued to you for one year. So I suggest that if you don't use a credit card, you'd better cancel it directly to avoid future troubles.