201110/On October 27th, CBRC officially issued the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks (hereinafter referred to as the Measures), which clearly regulated various problems in the rapid development of credit card business: in the future, banks with inactive credit cards shall not charge annual fees, and parents' consent shall be required to issue cards to students ...

2. The credit card cannot be used without activation.

The "Measures" clearly stipulate that credit cards shall not be charged any fees without the activation of the cardholder. The issuing bank shall not provide card replacement service for the credit card account that the cardholder has not activated within the validity period of the credit card.

This means that even if the cardholder is reluctantly "handled" in the future, there will be no consequences as long as he does not actively activate it. Inactive cards cannot be used.

Extended data:

The fee was not activated before, and the CBRC did not clearly stipulate it.

The "Measures" did not solve the problem that some cardholders are concerned about "whether the credit card that was not activated before can be compensated if charged".

The person in charge of the credit card department of a bank said that it was difficult to estimate the annual fee before the cancellation of commercial banks, because the CBRC did not specify this. She reminded that although the cardholder was very dissatisfied with the "paid" credit card that had not been activated before, in the absence of clear handling rules issued by the CBRC, the cardholder's failure to repay after receiving the annual fee bill may affect the cardholder's credit record.

Phoenix. Com-CBRC: In the future, if the credit card is not activated, there will be no annual fee (Figure).