If the credit card is not activated, it will also be recorded in the customer's personal credit report.

Because the customer applies for a credit card, the bank needs to review the customer's credit report and evaluate their credit status, so as to judge whether the customer is qualified to apply for a card. Therefore, as early as the credit card review, the bank left a query record on the applicant's credit report in the name of "credit card review".

No matter whether the bank finally issues a card or not, there will be a card record in the personal credit report. After the bank approves the card, the approval time, currency, initial limit and other related information of the credit card will also be reflected in the customer's credit report.

It should also be noted that if the customer does not have an activation card after handling it, it will be displayed as an inactive account in the credit information, but generally there is no negative impact. So whether the card is activated can also be found in the credit report. After the card is activated, the repayment of consumption will also be recorded in the credit report. If the customer has bad behavior when using the card, it will also be recorded in the credit report.

Credit card refers to various media that record the relevant information of the cardholder's account, have the function of bank credit line and overdraft, and provide relevant banking services for the cardholder.

The main features of credit cards:

1. Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.

2. Credit card has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;

Credit card is a high-tech product integrating financial business and computer technology.

4. Credit cards can reduce the use of cash and currency;

5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

6. Credit cards can simplify the collection procedures and save social labor;

7. Credit cards can promote commodity sales and social needs.

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, a legal person can also be an applicant.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

Is the credit card not activated? There will be relevant records.

In normal times, many people will apply for a credit card, but many people choose not to activate it after application. So does the credit card not activate credit? Do you usually pay attention? Here is an introduction to let you know how to deal with inactive credit cards.

Credit cards do not activate credit surveys at meetings. In fact, as long as the user applies for a credit card, it will be reflected in the credit information. Credit card approval time, currency, initial limit and other information will be recorded in the credit report, but these information will generally not have a great impact on personal credit, but it is necessary to avoid too many times of suspension.

Not activated after credit card application. Many people do this because the credit line given by the bank is low. In this case, the user can activate the credit card and continue to use it. After all, credit cards can also add value in the process of use. Most banks stipulate that new cards can be used for more than 6 months to apply for increasing the credit line.

If the applied credit card does not intend to be activated, you can apply for cancellation at this time. You can call the bank customer service hotline directly when canceling. General customer service will verify the relevant information before submitting an application for you. After submitting the cancellation application, it cannot be activated, otherwise there will be a new bill and the credit card cancellation will fail.

It should be noted that the cancellation of credit cards is divided into card cancellation and account cancellation. Credit card cancellation can be simply understood as the cancellation of the credit card itself. You don't have to submit any information if you apply for a credit card from this bank in the future. The bank will re-approve the new card based on the previous information. If the account is cancelled, all the information of the user in the bank will be deleted.

In order to avoid being unable to use the credit card after application, users should seriously consider before applying for a credit card to find out whether the rights and interests contained in the credit card are what they need most. When applying for a credit card, you can also compare the card types launched by different banks, and then choose the one that suits you best.

Will the credit card not be activated affect the credit?

Will have an impact, annual fees and personal credit will be affected.

If you really don't want some credit cards, it's simple. Call the bank credit card hotline and cancel this card. Remember to cut off the card after cancellation to prevent it from being stolen.

Be sure to apply for a credit card according to your own needs. Don't blindly apply for a credit card because of the lure of salesmen or some intermediaries. When applying for a credit card, you must choose a bank outlet or a third-party institution authorized by the bank.

First, the annual fee is difficult to collect.

Under normal circumstances, there is no annual fee for banks that have not activated the gold card, but whether you activate the credit card or not, the annual fee for the platinum card will be charged correctly. Therefore, don't take it for granted that there will be no annual fee for applying for credit card deactivation. Moreover, although most banks stipulate that inactive credit cards do not charge an annual fee in the first year, they will charge an annual fee in the second year. The expenses incurred by an inactive credit card will be credited to the cardholder's account in the form of credit card arrears. Failure to repay credit cards on time will generate high interest and liquidated damages, and will also affect personal credit information.

Second, personal credit is affected.

After you apply for a credit card from the bank, the bank will check your personal credit information, and this record will be kept in your credit information system. If you apply for a credit card too much without using the record, the bank will think that you are suspected of maliciously handling the card. Moreover, the total number of cards and the total amount of credit you hold will change. When you really need a credit card, it is easy to be rejected by the bank.

Credit card applications, whether activated or not, will be recorded in the central bank's personal credit information center. If there are too many credit cards in your account, the bank will consider your debt ratio and repayment ability when you apply for a card next time, which will affect whether the bank approves your credit card application and credit card limit. Moreover, if you apply for a credit card from the same bank, then the bank is likely to reject your application. Therefore, if the credit card you applied for is not activated, it will affect the future card opening.

Third, it causes information leakage.

If there is someone with ulterior motives around you, after he knows your personal identity information, he will probably activate it under a pseudonym, because it is very simple to activate a credit card now, just know your ID number and hold your mobile phone for one minute.

Will the credit card not be activated affect the credit investigation?

If the credit card is not activated after the application, it will not affect the credit.

Because the credit card is inactive, there will be "inactive" on the credit report. Therefore, other financial institutions will ignore this inactive credit card when inquiring about your credit information. Because an inactive credit card will not affect your pass rate of applying for other credit cards and loans.

You need to note that if the card you apply for is a hard annual fee, even if it is not activated, it will be charged after application. If the cardholder refuses to open the card and the bank deducts the annual fee from the card amount, then the cardholder will not be able to repay on time, resulting in overdue repayment and affecting personal credit. In this regard, it is suggested that cardholders open their cards as soon as possible to see if there are enough times/amounts to avoid preferential policies such as annual fees or points for annual fees. Of course, if the card you apply for is not a mandatory annual fee, nor is it activated or charged, then it is no problem for the cardholder not to activate it after handling the card. If it is not activated after expiration, the card will be invalid.

So much for the introduction that credit cards are not activated.