If the credit card is not activated, it is an unusable bank card. If you don't want to activate, you can cancel it directly, or just leave it. Generally, if a credit card is not activated, there will be no annual fee or bad credit record (the bad credit record of a credit card is due to overdue debts), but your credit card processing record may exist, and then there may be a card processing record in your personal credit report when you apply for a credit card. If there are too many such records, it may be unfavorable for applying for a credit card.

If you are still not sure, you can call the bank customer service to ask, which is safer. After all, the policies of each bank are different. In fact, if you already have a credit card, it's good to use it. You don't have to pay the annual fee for the second year if you brush it several times a year, and there is no interest on repayment on time. It's good.