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Now, the promotion of credit cards by various banks can be described as a lot of effort, and many friends have also made a lot of credit cards. However, some people do not activate the use of credit cards after they have successfully applied for credit cards. At the same time, some people believe that as long as the card is not activated, there will be no impact.
So what happens if the credit card is not activated?
Banks usually give gifts or recommend gifts by bank credit card, which attracts many people to do cards, but they do n’t want to use it, so they do n’t activate it and have any effect on us. Here are the following aspects:
First: rest assured that no fees will be deducted if not activated. The China Banking Regulatory Commission stipulates: "The banking financial institution shall not charge any fees before the cardholder activates the credit card, except that the cardholder authorizes the banking financial institution to deduct the fee by telephone recording or electronic signature in the written customer service center."
However, it should be noted that the annual fee is charged even if the platinum card is not activated.
Normally, if the credit card is not activated, there is no annual fee. But many platinum cards are not like this. Even if you don't activate it, you will be charged an annual fee.
Because platinum cards need to provide some high-value value-added services, banks must bear a large expenditure for this purpose. Therefore, there is such a provision, even if the user of the platinum card does not activate the card, the annual fee will also be charged.
Therefore, users of platinum cards must remember that even if they are not activated, there will also be an annual fee. For users of Puka and Gold cards, it is best to call the bank to confirm whether there will be annual fees or other fees if they are not activated.
Second: There is also a hidden risk of unauthorized credit card swiping. In a case cracked in 2014, criminals used online purchases of personal information, forged ID cards, used bank customer service loopholes to activate credit cards, and stolen tens of thousands of yuan. It is because "dormant" credit cards are ignored by everyone, so there are also great security risks.
Third: Unactivated credit cards will also be recorded in the cardholder ’s personal credit information system. Under this premise, if the cardholder wants to apply for a new credit card or loan in the future, the bank may be affected. The bank will consider that the cardholder has multiple credit cards but does not open the card. Reducing the credit card loan limit may even affect the success rate of credit card loan approval.
Fourth: There are very few cases where the salesperson activates you privately in order to complete the performance. There is a precedent for this, even if it is not your responsibility, it is also a trouble.
Fifth: affect personal credit reporting
We all know that as long as the credit card is successfully processed, our personal credit report will have a corresponding record. Even if we get the card but did not deactivate it, the approval time and initial amount of this credit card will have corresponding records on the credit, and there will also be records such as "The card has not been activated".
Then, after having such a credit report, if there are still credit applications in the future, banks or other financial institutions will evaluate such records to consider whether to pass your approval. If you have more than one "This card has not been activated" record, it is likely that your credit application will be rejected.
Sixth: Basic card rejection again
If we successfully applied for a credit card from a bank, but did not activate it for a long time, or for some reason, we directly canceled the card when it was not activated. Then, when we apply for the bank's credit card again in the future, it is basically impossible to apply again.
Of course, we are just talking about the normal situation. If you have millions of deposits in the bank, or you have several houses, or you have a very large flow of money in the bank, then in the face of high-quality customers like you, the bank will still give you Card.
At this point, the impact of credit card inactivation must be clear to everyone. Therefore, when applying for a credit card, we should proceed according to our own actual situation, and do not need to blindly do more cards. Otherwise, there will be too many cards and it will not be activated. Therefore, you should not easily get the card, even if it is not activated, just log out!