1. If the credit card is not activated, it will be invalid if it exceeds the validity period of the card. Generally speaking, there is no annual fee for credit cards when they are not used, but at present, most credit cards with platinum level or above and some credit cards with special materials, such as the bank constellation series of Industrial Bank, will clearly indicate on the credit card application form that they will be charged an annual fee after use, which means that such credit cards will be charged an annual fee by the bank even if they are not used.

2. If the credit card has been activated, you have to pay the annual credit card fee even if you don't use it, which is easy to overdue and there is also the risk of being stolen. Therefore, in order to avoid extra expenses every year, the cardholder had better call the bank customer service to apply for account cancellation. After verifying the identity information of the cardholder, the bank staff will take the initiative to pre-sell the customer's pre-sale account credit card, which will not be used and will not generate other expenses.

1. If your credit card is just an ordinary card and is not activated, it will not be used by the bank to charge you, nor will it affect your credit history. You can rest assured, but it is recommended to cancel the card as soon as possible.

2. If your credit card is a special credit card issued by the bank, such as a high-end platinum card, whether you open this credit card or not, as long as you apply successfully, the bank will charge the annual fee on time, even if you don't use this card to spend, the annual fee will be deducted from the credit card quota first.

Therefore, you will receive an overdue message from the bank to remind you that you did not repay in time, which caused the overdue. If you don't pay attention to such short messages for a long time, or never pay attention to bills, the final result will be a stain on your credit record.

3. After the credit card has overdue records, it will be reported to the credit database by the bank. Details of overdue accounts will be recorded in personal credit report, and bad records will be kept for five years. If you want to apply for a bank loan, or apply for a credit card from another bank, you will be hindered.

Therefore, it is recommended that the cardholder make a good record of using the card. If they think credit cards are dispensable, they should sell them quickly to avoid extra expenses.