Not activating a credit card may affect your credit, because some credit cards will incur annual fees even if they are not activated, such as platinum cards and diamond cards of some banks. The annual fees of these cards are higher. Once you fail to pay or forget to pay, it will cause the credit report to be overdue; in addition, even if the user has applied for a credit card, even if it is not activated, it will be recorded on the credit report and show "not activated". If the number is too many, it will affect the normal credit report. Credit business processing.

If you apply for a credit card but it is not activated, the report will also display information such as the credit card's approval time, initial limit, currency, and the time when "the card has not been activated".

However, you can rest assured that the central bank has regulations that, except for some special cards, generally ordinary credit cards will not incur any fees when they are not activated. Even if it says "The card has not been activated", it will not occupy our credit limit or increase our liabilities. Therefore, theoretically speaking, the inactivation of ordinary-level credit cards will have little impact on your credit report.