Unused credit cards will have an impact on your credit information, but some credit cards will have an annual fee even if they are not used, so they will miss the annual fee and have a late fee, which will also have an impact on credit information.

Some banks do not charge annual fees or other fees as long as they are not activated, but some banks will charge annual fees even if they are not activated.

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.