If the credit card is not activated, it will be used frequently. In order to make customers enjoy the rights and interests of CCB credit card as soon as possible, it is recommended that customers open the card immediately after receiving it. If the card is not activated before the expiration, CCB will not issue new cards to customers at the expiration. Note: If a customer applies for CCB's rigid annual fee credit card, an annual fee will be incurred regardless of whether the customer is activated or not.

(In case of business changes, please refer to the actual situation. )

What happens if the credit card issued is not activated?

After receiving the credit card, if you don't want to use it, you can not activate it. According to relevant regulations, banks will not charge any fees for inactive credit cards. But if you still want to use it, you'd better activate it as soon as possible, because some credit cards can be activated at any time during the validity period, but some credit cards will be automatically cancelled if they are not activated within 90 days after verification.

In addition, if the credit card is not activated, it will not affect the credit investigation. When a customer applies for a credit card, the bank needs to review the customer's credit report to evaluate the customer's credit status, so as to judge whether the customer is qualified to apply for a credit card. If the customer does not activate the card after handling the card, it will be shown as an inactive account on the credit report, but generally there is no negative impact.

Credit card, also known as credit card. It is a non-cash transaction payment method and a simple credit service. A credit card is a credit certificate issued by a commercial bank or a credit card company to eligible consumers. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

Credit cards are generally plastic cards with a special carrier, with a length of 85.60 mm, a width of 53.98 mm and a thickness of1mm. The name of the card issuer, the expiration date, the number and the name of the cardholder are printed on the front, and the chip, magnetic stripe and signature strip are printed on the back. Cardholders can use credit cards to shop, spend money and deposit and withdraw cash from banks.

There is no need to pay cash for credit card consumption, and the bill will be repaid on the same day. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

What happens if the credit card is not activated?

Now many friends will go to the bank to apply for a credit card, but sometimes because the credit card limit is relatively low, the credit card has not been activated. What happens if the credit card is not activated?

1, which may affect the next card application: whether you choose to activate or not, your application time, application amount and other information will be uploaded to the credit information system. Although it will not be regarded as a bad record, it will be more difficult to apply for a card in the future and the application may fail. If the card is not activated for many times, it may affect future loans.

2. It may not be automatically cancelled: many people think that the card will be automatically cancelled by the bank if it is not activated, but it is not. Different banks have different rules. Some banks stipulate that the card will be cancelled if it is not activated within a few years, and some banks stipulate that the card will be considered dormant if it is not activated. However, it is best to cancel the inactive cards to avoid many problems.

3. The annual fee may be charged as usual: Generally speaking, if it is not activated, the annual fee will not be charged. But it's only for Puka. If it is a platinum card or above, you can enjoy a higher level of service and have higher rights after opening. Even if it is not activated after processing, there will still be an annual fee. If you forget to pay it, it will be considered overdue.

4. It may be stolen by others: Many criminals will specifically look for those inactive cards, steal the information inside, use this information to activate the cards and use them, and do not repay after swiping the cards. Bad records such as arrears will be recorded in the applicant's name, causing great losses to the applicant.

If the credit card is not activated, it will bring you a lot of trouble. Be sure to consider whether you need to apply for a card before handling it, and remember to apply for a card blindly. If it is not activated after handling, you must take the initiative to cancel the card so as not to cause losses to yourself.

Let's talk about what will happen if the credit card is not activated.