If the credit card is activated without your knowledge, the bank will take full responsibility. Don't worry, banks are very cautious in doing these things and need double inspection authorization.
Not activating the credit card will only affect the credit card transaction, but will not affect the credit history.
Personal credit records will record the use of credit cards. If the credit card is not activated, the word "Inactive" will be displayed, indicating that there is such a credit card in your name, but it has not been used.
Simply put, in your credit information system, it will be recorded that you have such a card, but the display is not activated, which will not be used as your bad record.
Of course, if your credit history shows that you have more than ten inactive credit cards, it may be difficult for you to get a card in the future. In another case, if the card is not activated after issuing, it will be automatically cancelled after 3 years.