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Can I receive "Credit card not activated"? The general bank staff won't tell you.

Credit card sales can be said to be everywhere now. Sometimes it is to cooperate with the company, and then the company will handle it in a unified way. After receiving credit cards, many people don't want to use them. They are worried that they can't make ends meet and can't control their consumption desire. But some people are struggling. If they receive a credit card, can they not activate it? Will it have an impact on credit reporting? Let's listen to the bank staff.

First of all, whether the credit card is activated is entirely a personal wish, and the bank will not forcibly control us. Of course, some people will ask whether there will be an annual fee if it is not activated. Bank staff said that under normal circumstances, there will be no annual fee without activation. But some bank credit cards will have an annual fee even if they are not activated. Moreover, after a long time, some banks will cancel inactive credit cards, charge no annual fees, and cannot apply for credit cards for a long time. The specific time is different according to the bank regulations, and the above behavior is very likely to refuse your re-application in the future.

Secondly, some people think that the credit card will be automatically cancelled if it is not activated for two months. Bank staff said that even if the credit card is not activated, it will not automatically expire, because the credit card has its own validity period. During the validity period, the cardholder needs to contact the bank to cancel, so he didn't say that he would automatically cancel without activation. However, some bank credit cards are valid for 3 years, and will be automatically cancelled if they are not activated within 3 years. Even if some banks cancel your account without your consent, they will generate a certain annual fee, which will cause you to know once you generate the annual fee. The direct consequence of not paying the annual fee is that the credit card is overdue. This will affect our credit information.

Finally, whether you activate or not, as long as you apply for a credit card, it will appear in your credit report, which may affect subsequent loans or handle large credit cards from other banks. If you don't want to activate, it is recommended to cancel the call. Of course, even if it is not cancelled or activated, remember to subtract the chip and magnetic stripe of the credit card, provided that the credit card does not charge an annual fee. So as not to fall into the hands of criminals and cause their own property losses.

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