1. For example, if the bank sets the activation period, it will be completed within 90 days. If it is not activated after this period, the user's card application will be rejected. You can cut the card directly at this time. There is no activation period, so users need to go to the bank to cancel their cards if they don't want to activate. After all, some high-end credit cards will generate annual fees even if they are not activated, and such cards will be cancelled if they are not used.

2. Most credit cards will not generate any fees if they are not activated, but they will leave a bad impression on banks. After all, it costs money for banks to issue credit cards, and users will lose money if they don't use their cards or cancel them directly.