The credit card cannot be used without activation, and there will be no charge. If it is cancelled, the credit card will be invalid, customers can no longer use it, and the bank will no longer charge any fees. Matters needing attention when using a credit card are as follows:

1. After applying for a bank card, please sign on the back of the card. Don't let the bank card leave the line of sight when spending by swiping the card, and pay attention to the cashier's swiping times to avoid losses caused by mistake or excessive swiping. When entering the password for credit card consumption, you should block the operation as much as possible to prevent criminals from peeping. When you get the purchase order and card returned by the cashier, carefully check whether the amount on the purchase order is correct and whether it is your own card.

2. Keep the transaction documents properly. In case of repeated deductions and other abnormal situations, you can contact the issuing bank in time with the transaction documents and statements. If the credit card transaction has been cancelled and cash payment is used instead, the merchant shall be required to tear up the credit card purchase slip and keep the cash payment voucher.

Extended information:

Credit card cancellation method:

1. If the card has not expired, you need to apply first, and then go to the bank for account cancellation after a certain period of time; If the card has passed the validity period and the account balance is zero, you can go directly to the designated bank outlet to cancel the account.

when closing the account, you should bring the original valid ID card and card. If it is inconvenient for me to go through the formalities of closing the account, someone else can do it for you. The agent must hold the power of attorney written by the principal (himself) and bring the original valid identity certificate to handle the account cancellation business.

2. If your card has not expired when you cancel your account, some banks stipulate that you need to go to the designated outlets to receive the card, and then go through the formal account cancellation procedures after a certain period of time (up to 3 days).

This is mainly because if the cardholder has made a manual credit card transaction before closing the account, the cardholder has already closed the account before the merchant submits the credit card slip to the bank for entry, so the bank can't settle the account normally; On the other hand, if the cardholder is in consumption abroad or withdraws cash, it may be several days before liquidation. If the account is cancelled immediately, it will also affect the normal liquidation of the bank.

China Economic Net-"Four Notices" for Credit Card Security

China Economic Net-Four Notices for "Credit Card Pre-authorization" during the May Day holiday

Baidu Encyclopedia-Credit Card