Not opening a credit card mainly involves three issues: one is the annual fee, the other is personal credit, and the third is the impact on future credit card applications. \x0d\ 1。 First of all, many banks stipulate that "there is no annual fee for credit cards without opening them", but some credit cards actually "charge an annual fee without opening them". \x0d\ For example, the helokitty perfume card of China Merchants Bank will be charged an annual fee of 300 yuan/year regardless of whether it is activated or not, and some car cards of China Construction Bank will also be charged an annual fee of 200 yuan/year. There is also an annual fee for the card of Shanghai Pudong Development Bank even if it is not opened, and so on. It is suggested that when you apply for a card, you must call the credit card customer service number to find out the relevant credit card fees. \x0d\ 2。 Secondly, I thought it would be fine if I didn't activate it, but in fact, these applied but inactive cards will also appear in the credit information system, which may also affect the review of credit card applications in the future. \x0d\ For the execution of this credit record, for example, if the customer has already applied for a bank's credit card, even if it has not been opened, when he applies for a bank's credit card again, if bank B finds that there are too many credit cards in the customer's name, it will affect the approval of bank B for its credit card issuance and limit. \x0d\ 3。 Finally, because the cancellation of the bank card must be handled at the bank where the account is opened, if the bank card is lost or forgotten, you must first report the loss with your ID card and other materials. In order to avoid trouble, seldom used sleep debit cards are often ignored. \x0d "sleep card" actually has many potential risks for depositors, such as the loss of bank cards, misappropriation by others, and disclosure of personal information. For "sleep card", cardholders should be cautious. Don't covet temporary convenience, but take reasonable measures to avoid potential risks.