If the credit card is not activated after application, an annual fee may be incurred, and the charging standards for inactive credit cards vary from bank to bank. Some stipulate that inactive credit cards do not charge an annual fee, while others stipulate that inactive credit cards do not charge an annual fee in the first year. Most banks stipulate that inactive credit cards will charge an annual fee from the second year. The fees generated by inactive credit cards will be recorded in the user's account in the form of arrears. If the cardholder owes money for a long time, he will not only pay penalty interest and late payment fee, but also leave a negative credit record;

2. There is the possibility of stealing credit cards. Users will not use credit cards unless they activate them, and most people leave them at will, making them easy to be stolen. Once a credit card is stolen by criminals, it will cause economic losses to the cardholder.

3. If the cardholder wants to apply for a credit card from the same bank again, it is likely that the bank will refuse and it will be more difficult to apply for a credit card. After applying for a credit card, whether the credit card is activated or not, you can see the record of the user handling the credit card in the personal credit report. If the user frequently applies for a credit card but fails to activate it, then the user applies for a credit card again or applies for a loan from the bank. When the bank inquires about the applicant's personal credit report, it will see the user's card information. The bank may think that the applicant has little demand for a card or has credit problems, and may reject the user's application.