Credit card can be cancelled if it is not activated. I suggest you cancel your card as soon as possible, because some cards will be charged an annual fee even if they are not opened. It is clearly stipulated that banking financial institutions shall not deduct any fees before the cardholder activates the credit card. In addition to platinum cards, banks have clearly stipulated that after the platinum card is issued, an annual fee will be charged regardless of whether the card is activated or not. Moreover, it is clearly stipulated that the annual fee will be charged when the card is opened, which means that the cardholder has authorized the bank to charge the annual fee in writing.

Even if it is not activated, handling multiple credit cards will be recorded in the cardholder's personal credit information system. Under this premise, if the cardholder wants to apply for a new credit card or loan in the future, it may be affected. Banks will consider that cardholders have integrity or do not need to open multiple credit cards, otherwise the success rate of credit card loan approval will be reduced.

Before applying for a credit card, users can learn about the application conditions, such as 18 years old or above, having a stable job, being able to repay, and having a good credit report. The above are the basic conditions for applying for a credit card. When users are satisfied, they can apply. First of all, they can book a credit card in online banking, fill in the application form on the bank credit card website, and then wait for the salesman to contact them. After the appointment is successful, the salesman will come to the door to handle the card for the user. The card application procedure is the same as the ordinary card application procedure. If there is a high possibility of rejection, you can give up the application at this time. Users can submit applications after meeting the requirements. Generally, you can apply for a credit card at the bank counter or in official website. Banks will provide users with different cards with different rights and interests. Users can choose the one that suits them best when applying, which can save more money in use. After applying for a credit card, it usually takes 20 working days to get the card. There is an activation method in the email. Users can choose the one that suits them best according to their actual situation. When activated, the user must set the transaction password and inquiry password. Note: When users apply for a credit card, they do not get the card according to the type of the card, but according to the application materials submitted by the users. Therefore, if users want to get a higher quota, it is best to submit a better financial proof, so that the bank will issue a high amount of cards.