China Bank Taobao Campus Card is not activated. Why are you sending me a bill now saying that I owe money to pay back?

First of all, if you didn't activate it yourself, someone else may have activated it, such as the person who asked for the card at that time, or the branch staff. Failure to use or repay the activated credit card will be charged. You have no password or information, so you can only check the information at the counter. After you have the information, the cost of makeup can be refunded. There is also a credit rating, which should have no impact. Or you can go to the People's Bank to check yourself. Or ask customer service.