Didn't get a credit card: If you don't get a credit card after application, you can cancel the credit card application, and the cardholder has this right. The applicant can call the credit card customer service center to cancel the credit card application. If the bank staff persuades you to open a card for various reasons, please be clear about your intention and be tough.

Have got the credit card: If the credit card has arrived in your hand and you have not used it for a long time, there is no way to cancel it at this time. You don't need an activation card. The card will not be processed until it is activated. However, this situation may affect your credit. The bank will carefully consider your sincerity in handling the card next time, and whether it is possible to handle the card instead of using it.

Benefits of credit cards:

You can get points by swiping a credit card, and you can redeem certain points for gifts or air miles;

Some credit cards can be discounted in some places. For example, ICBC credit cards will regularly postpone the store information that can be discounted;

If you can't meet your temporary cash flow, using a credit card is equivalent to a small interest-free loan. As long as you repay it in the last repayment period, you don't have to pay interest.