Every bank has its own credit card, and everyone has applied for a credit card for various reasons. Most people think that as long as the credit card is not activated, there will be no problem. In fact, it is not the case, and it will cause many problems if the credit card is ignored and not activated.

the first problem that will be involved when the credit card is not activated is the annual fee. Not all credit cards do not have an annual fee if they are not activated. There are some high-grade credit cards and credit cards with special materials, which still charge an annual fee even if they are not activated.

Moreover, no matter what you do with the credit card, as long as you handle it, it will be reflected in your personal credit record. Later, when you need to handle other credit cards, the bank will check your personal credit information in the credit information system. Too many inactive credit cards will affect your new card processing.

as mentioned above, as long as you apply for a credit card, it will be recorded in the personal credit information system. If the credit card is not activated, the credit information will show that you have not opened the card, which will have a great impact on your personal credit record, and the difficulty of applying for the card again will increase.

is there no way to deal with it? Actually, it's not. Cardholders can choose to activate or cancel their credit cards.

Generally, a credit card that is not activated will not expire immediately, and the cardholder can choose to deactivate it within 35 years. The cardholder who wants to cancel can call the customer service of the issuing bank to cancel by phone. If you don't remember the information filled in when you apply for the card, you can also go to the counter with the applicant's ID card.