With the popularity of credit card consumption in advance, many people will apply for credit cards, but the credit cards have not been swiped and there are debts. What's going on here?

How can you owe money if you don't swipe your credit card?

The credit card applied for is a non-rigid annual fee credit card. As long as the card is activated, an annual fee will be charged. The annual fee will be deducted directly from the credit card limit, resulting in credit card arrears. There is also a rigid annual fee, regardless of whether the card is opened or not. Even if it is not activated, it will automatically deduct the annual fee, resulting in the phenomenon that the credit card does not owe money.

There is also a final possibility, that is, the credit card is stolen by others, which will also cause credit card arrears. Don't think that you don't have to pay it back if you don't use it. Banks will only ask cardholders to collect debts themselves, not the actual users of credit cards. Please reissue the report of loss in time to prove that it is not my card.

There are also some credit cards that are free of annual fees for the first year. You can waive the annual fee for the next year by swiping your card three times in the first year, but many people have not used it after applying, resulting in the annual fee for the second year and owing money. For unnecessary troubles, if they feel that they can't use credit cards, they can directly apply to the bank customer service for cancellation. The content about how to owe money without credit card is here, I hope it will help everyone.