If the cardholder forgets to repay after the credit card generates the annual fee, it will have a bad influence on personal credit information.
After the credit card is activated, the bank will think that the cardholder has no demand for a long time, and the credit line of the credit card will be reduced after a long time.
Credit card is a credit card issued by a bank that can be overdrawn in advance. After activation, it can be used for credit card consumption, emergency cash withdrawal, and even provide cardholders with large cash installment products. Of course, after activation, cardholders can also choose not to use credit cards, but there will inevitably be some influences:
1, an annual fee will be incurred. The annual fee is a mandatory charge for credit cards. Except for those credit cards that are free of annual fee within the validity period stipulated by the bank, most ordinary credit cards can reduce the annual fee by swiping the card number. Therefore, if the credit card is not used after activation, the annual fee will be deducted from the credit card limit.
2. It will affect credit. If the number of swipes is not enough after the credit card is activated and the annual fee is deducted, the cardholder fails to repay in time, which will lead to overdue. There are many consequences of overdue, the most important is to affect the credit of cardholders.
3. It will affect withdrawal. Many cardholders' credit cards are too low to be used after activation. They think that banks will actively increase credit cards in order to avoid customer churn. Although some banks may do this, most banks mainly look at the cardholder's use of cards and will not easily increase credit cards.
If the credit card is not used for a long time, it is best to cancel it directly, because if the credit card is not used for a long time, it will not only be charged an annual fee because it does not meet the annual fee exemption rule, but also be automatically reduced by the bank, and once it is lost, it will also cause theft losses. If you want to cancel your card, you can not only bring your ID card and credit card to the bank counter for cancellation, but also call the bank customer service center to explain the reasons and ask for cancellation of your credit card. After verifying the identity information of the cardholder, the bank staff will take the initiative to pre-sell the account for the customer. Credit cards cannot be used after pre-sale, and there will be no other fees. However, the customer should call the bank credit card customer service center again 45 days after the pre-sale to confirm whether the account has been officially cancelled. After the card is successfully cancelled, it is best to cut it open to prevent it from being used by others after it is lost. If the amount of the bank card is deducted to zero, it will be automatically converted into "sleep card". In short, you should go to the bank or call customer service as soon as possible to cancel the "dormant card" that has not been used for a long time, so as to avoid unnecessary trouble in the future.