If the credit card (debit card) is not activated, it will not be counted as the user's debt, nor will it affect the user's personal credit information, and the user can apply for a mortgage normally. Credit card (debit card) will affect the mortgage, mainly the debt ratio and overdue records. As long as there are no these two factors, the user's credit card (debit card) will not affect the user's application for mortgage.

Of course, if the credit card (debit card) is not activated, it will reduce the issuer's evaluation of the user. Credit card (credit card) is really unnecessary, so it is better to cancel it as soon as possible.

Is it okay to not activate the loan through Bank of Communications?

Maybe. Bank of Communications loan requires that the applicant's bank card must be activated before applying for a loan. If the applicant's bank card is not activated, he can't apply for a Bank of Communications loan.

What will happen if the credit card (debit card) of Bank of Communications is not activated?

Bank of Communications credit card (debit card) cannot be used without activation, and generally it will not have much impact. However, if you apply for a special high-end card type, you should pay attention to whether it is a hard annual fee and whether there is a card face fee. Otherwise, the inactive credit card (debit card) will affect your personal credit information because the annual fee is overdue.

In addition, the inactive Bank of Communications credit card (debit card) will not be automatically cancelled within the validity period of the card, so it should be properly kept to ensure that personal identity information and card face information will not be leaked, otherwise it will be easily stolen by others.

Can I spend my credit card (debit card) without activation?

Credit cards (debit cards) cannot be used without activation, and naturally they cannot be used for consumption, cash withdrawal or transfer. Although credit cards (debit cards) (except platinum cards and high-end cards) are not activated and there is no cost, if users are not activated, the cost of issuing cards will be borne by banks, which will reduce the bank's evaluation of users.

Therefore, the deactivation of credit cards (debit cards) also has an impact on users. Although it does not directly affect personal credit, it also has an indirect impact.

The introduction that the bank card of the loan is not activated ends here.