What happens when the credit card is not activated?

Many users think that it doesn't matter if the credit card is not activated. In fact, if it is not activated, it will have the following effects:

1. Impact on future credit card applications: If it is not activated after application, there will be suspicion of malicious card application. Bank business card printing and logistics costs, so the practice of inactivation is definitely not good for banks.

2. Can't get the treatment of new users: New credit card users usually have some benefits, and they can't enjoy these benefits without activating the credit card.

3. There may be an annual fee: most cards are not activated, but some high-end cards or platinum cards will charge an annual fee as long as they are issued, regardless of whether the user is activated or not.

4. Impact on personal credit: Inactive credit card application records will also be recorded. Although there is no cost, but the application is too frequent, personal credit will also be affected.

Advantages of credit card

Compared with ordinary bank savings cards, the most convenient way to use credit cards is for ordinary consumption, and there is no cash in the cards. In many cases, it is enough to return the consumption amount on time.

1, there is no deposit for overdraft consumption, and you can enjoy an interest-free period of 20-56 days. Repayment can be made on time without any charge (most banks will charge 0.05% interest and 2% handling fee on the day of withdrawal, while ICBC will charge no handling fee but interest).

2. It is not only safe and convenient to swipe your card when shopping, but also a bonus gift.

3. Special merchants who hold cards in banks can enjoy preferential treatment.

4. Accumulate personal credit, add a credit record to your credit file, and benefit for life.

5. Access to the whole country is barrier-free, and you can withdraw money or spend money by credit card on ATMs and POS machines with UnionPay logo; (Note: Credit cards are only suitable for credit card spending. It is best not to withdraw cash, which is expensive and uneconomical. )

6, credit card consumption, some credit cards get existing points, a variety of discounts and sweepstakes throughout the year, so that you can always have surprises as long as you use the card; (Most credit cards have no points for online payment, but online payment is very convenient and fast. )

7. Mail the statement free of charge every month, so that you can grasp every consumer expenditure transparently; (Now advocating environmental protection, you can cancel the paper statement and change it into an electronic statement. )

8. Unique supplementary card function, suitable for husband and wife to jointly manage money or master children's financial expenses.

9. The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.

10,400 telephone or 5-digit short number with prefix 9 provides 24-hour service, and loss reporting takes effect immediately, with zero card loss risk.

1 1. Validity period: It is known that the validity period of domestic credit cards is generally three to five years.

12. Use the third-party platform (the domestic platform supporting credit card bill management is mainly Jujindou) to conduct business cooperation and provide preferential services for cardholders.