The credit card has not been initialized means that the credit card has not been activated. A dormant card refers to a credit card that has been activated but has not been used for a long time, causing the bank to suspend the card's service.

According to the query on Zhika.com, we learned that the credit card has not been initialized, which means that the credit card has not been activated. Normally, the bank will send a text message to the cardholder after the card is issued, telling them how to activate the credit card. Some banks can activate via phone, online banking, mobile banking, etc., while some banks require cardholders to go to branches in person. If you receive such a text message, follow the prompts. If you do not receive the text message, you can also contact the bank customer service to ask about the activation method. Only if your credit card is activated can you use it normally.

A dormant card refers to a credit card that has been activated but has not been used for a long time, causing the bank to suspend the card's service. This is to protect the security of the cardholder's account and prevent it from being stolen or misused. Generally speaking, if you do not use your credit card for 6 or 12 consecutive months, it may be regarded as a sleep card. If your credit card becomes a dormant card, you will need to reactivate it before you can use it. The activation method is similar to that of an uninitialized credit card. It can be operated by phone, online banking, mobile banking, etc., or at an outlet.