Consequences of disabling the credit card:

1, generating an annual fee.

Under normal circumstances, if the credit card is not activated, there is no annual fee;

But many platinum cards are not like this. Even if it is not activated, there is still an annual fee.

Users of Puka and Gold Cards should also call the bank to confirm whether there will be annual fees or other fees if they are not activated.

2, affect personal credit

As long as you apply for a credit card, there will be an application record in the personal credit report, while the credit report of inactive users will show that the card has not been opened, which will be more serious than overdue.

3. Affect the second card application.

If there is no activation card after the first application, the second application for a credit card from the same bank may be rejected.

Credit card application

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

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.

Does it matter if the credit card is not activated?

Applying for credit card deactivation has certain influence on the applicant, as follows: 1. Affect the applicant's credit information. After the applicant applies for a credit card, it will be displayed in the bank's credit information system. If the cardholder is not activated for a long time, there is a record of "the card is not activated" in the credit information system, which may affect his future loan and other credit card applications. 2. There may be a certain annual fee. Some banks charge an annual fee from the day the credit card is sent, and some charge an annual fee from the second year. If the cardholder is not activated for a long time, resulting in arrears, it will not only pay penalty interest and late fees, but also affect personal credit. Finally, if the credit card is not used, the cardholder can return the card through the counter or telephone to avoid affecting the credit information.

1. How long will the credit card expire?

If the credit card is not activated, it will not automatically expire before its validity expires. Many people mistakenly think that credit cards will be invalidated after being idle for two months, but this is not the case. Credit cards issued by banks are generally valid for 3-5 years, and special cards are valid for 8 years. If the credit card is not activated, it means it will take 3-5 years or 8 years to expire. However, it should be noted that if the Platinum Card is not activated, an annual fee will be charged.

The China Banking Regulatory Commission stipulates: "Before the cardholder activates the credit card, the banking financial institution shall not deduct any fees, except that the cardholder authorizes the banking financial institution to deduct the fees by means of telephone recording or written electronic signature of the customer service center." Under normal circumstances, there is no annual fee if the credit card is not activated. But many platinum cards are not like this. Even if it is not activated, there is still an annual fee. Simply put, Platinum Card is a relatively advanced credit card. Platinum card provides a number of value-added services, such as airport shuttle, airport VIP treatment, million-level aviation accident insurance and so on.

Because platinum cards need to provide some high-value value-added services, banks have to bear a lot of expenses for this. Therefore, it is stipulated that platinum card users will charge the same annual fee even if they don't activate their cards. Therefore, users of platinum cards must remember that even if they are not activated, there will be an annual fee. Users of Puka and Gold Cards should also call the bank to confirm whether there will be annual fees or other fees if they are not activated.

Does it matter if the credit card is not activated?

Generally speaking, if the credit card is not activated, it will not affect personal credit. However, if the credit card is a high-end card or a customized card, even if it is not activated, it may generate an annual fee. If you don't pay attention, the annual fee may be overdue, which will affect personal credit.

Credit card deactivation will mainly have the following effects:

1. Annual fee: Before the cardholder activates the credit card, the bank shall not charge the cardholder an annual fee. However, for some platinum cards with higher bank level, an annual fee may be charged even if they are not activated. Therefore, if the user has a platinum card, if it is not activated, the annual fee of the credit card will also be paid. If the cardholder leaves the credit card at will, it is very likely that the overdue behavior will occur due to the annual credit card fee.

2. Inactive credit cards are in danger of being stolen. If credit card holders do not activate their credit cards, criminals may use the Internet to purchase personal information, forge identity cards, and activate credit cards by taking advantage of loopholes in bank customer service, thus stealing credit cards and causing economic losses to cardholders;

3. Refuse to apply for the card again. If a user applies for a bank credit card, but it has not been activated for a long time, and then applies for a credit card of the same bank, then the bank will find that the user has applied for an inactive credit card, and the bank may think that the user does not particularly need a credit card, thus rejecting the user's application.

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What will happen if the credit card is not activated?

Will have an impact, annual fees and personal credit will be affected.

If you really don't want some credit cards, it's simple. Call the bank credit card hotline and cancel this card. Remember to cut off the card after cancellation to prevent it from being stolen.

Be sure to apply for a credit card according to your own needs. Don't blindly apply for a credit card because of the lure of salesmen or some intermediaries. When applying for a credit card, you must choose a bank outlet or a third-party institution authorized by the bank.

First, the annual fee is difficult to collect.

Under normal circumstances, there is no annual fee for banks that have not activated the gold card, but whether you activate the credit card or not, the annual fee for the platinum card will be charged correctly. Therefore, don't take it for granted that there will be no annual fee for applying for credit card deactivation. Moreover, although most banks stipulate that inactive credit cards do not charge an annual fee in the first year, they will charge an annual fee in the second year. The expenses incurred by an inactive credit card will be credited to the cardholder's account in the form of credit card arrears. Failure to repay credit cards on time will generate high interest and liquidated damages, and will also affect personal credit information.

Second, personal credit is affected.

After you apply for a credit card from the bank, the bank will check your personal credit information, and this record will be kept in your credit information system. If you apply for a credit card too much without using the record, the bank will think that you are suspected of maliciously handling the card. Moreover, the total number of cards and the total amount of credit you hold will change. When you really need a credit card, it is easy to be rejected by the bank.

Credit card applications, whether activated or not, will be recorded in the central bank's personal credit information center. If there are too many credit cards in your account, the bank will consider your debt ratio and repayment ability when you apply for a card next time, which will affect whether the bank approves your credit card application and credit card limit. Moreover, if you apply for a credit card from the same bank, then the bank is likely to reject your application. Therefore, if the credit card you applied for is not activated, it will affect the future card opening.

Third, it causes information leakage.

If there is someone with ulterior motives around you, after he knows your personal identity information, he will probably activate it under a pseudonym, because it is very simple to activate a credit card now, just know your ID number and hold your mobile phone for one minute.

This is the end of the introduction about what will happen if the credit card is not activated and what will happen if the credit card is not activated. I wonder if you have found the information you need?