1. As long as the credit card is approved, whether it is opened or not will be recorded in the cardholder's personal credit information system, and it will have an impact if you want to apply for a bank credit card in the future. When approving a credit card application, the bank will check the applicant's personal credit report. If this kind of sleep card is shown too much in the report, banks will consider the needs or integrity of cardholders, which will reduce the success rate of credit card approval to some extent.

2. Under normal circumstances, there will be no annual fee if the credit card is not activated, except for some special credit cards (mostly platinum cards), even if it is not activated, there will be an annual fee. If this point is ignored, it is likely that the credit card will be in arrears and then overdue, resulting in a bad credit record. If it is an ordinary card, there is no annual fee and there will be no arrears. But if there is an annual fee and you don't know it, overdue repayment will affect your personal credit history.