What happens if the credit card is not activated? 1. Everyone should pay attention to the credit report at the meeting. As long as the credit card you applied for is successfully approved, even if you do not activate it, the card information will be displayed in your credit report. If you do not activate it, the credit report will be displayed. There will also be a record that your card has not been activated, and this record is a bad credit record. 2. Possible charges. Many people think that there will be no charges if the credit card is not activated. In fact, this is not absolute. It mainly depends on the requirements of the card you apply for. Generally, there will be no charge for ordinary cards and gold cards if they are not activated. And because the platinum card will provide many value-added services, which will cause the bank to have a certain amount of expenses, the bank stipulates that even if the platinum card is not activated, an annual fee will be charged. 3. There are security risks. If your credit card is not activated, if it is accidentally stolen by others, it is very likely that it will be used by others to activate and fraudulently use it. The consequences of this are very serious. 4. It affects subsequent card applications. If you apply for a card but do not activate it, your credit report will be called and you will have a bad record. Therefore, if you always apply for a card but do not activate it, it will lead to a lot of bad credit records, and bad records will always be there. If it is too much, it will affect the success rate of your subsequent card applications and even loans in the future. If you apply successfully in time, your limit will also be affected to a certain extent.
Will the credit card be automatically canceled if it is not activated? Many people think that if a credit card is not activated, it will be automatically canceled after the expiration date, but this is not necessarily the case. You should know that there are many types of credit cards, and different card types have different requirements. Generally speaking, ordinary cards can be automatically canceled, but gold cards, platinum cards, etc. basically will not be automatically canceled. It is also recommended that when applying for a credit card, everyone should apply according to their own needs and apply for the card rationally to avoid not activating the card after applying, causing a bad record, bringing many negative effects, and may even cause security risks. This is not worth the loss.