Everbright Credit Card can be cancelled if it is not activated, but it is best to confirm that the credit card will not generate annual fees before cancellation, because many high-end credit cards will also generate annual fees if they are not activated. At this time, the bank will not agree to cancel the bank card, but you can call the customer service hotline of Everbright Credit Card to confirm whether the credit has incurred an annual fee before cancellation.

If Everbright Credit Card does not generate an annual fee, you can choose not to cancel it, because the validity period of the credit card is generally around 3 years. As long as the credit card is not activated for three years, it will automatically expire, but it must be kept well at ordinary times and not easily lost.

The suspension of Everbright Credit Card after application also has an impact on the applicant. The number of credit card applications will be recorded in the personal credit report. If many applications are not activated, it will have a great impact on personal credit information. If the card is not activated just because the bank's credit limit is low, it can actually be used after activation. You can improve the credit limit by mastering certain skills. In fact, as long as you submit good enough financial proof when applying for Everbright Credit Card, the credit limit will not be too low.

Everbright credit card can directly call the bank customer service hotline to cancel the account, but there is a difference between canceling the card and canceling the account. Closing an account means deleting all personal information in the bank, and subsequent applications for card processing need to be resubmitted; If you just cancel the card, you don't need to submit the information when you apply again.