There are many friends who do not activate their credit cards after they have completed their business. Some of them forget too many cards and some of them think they are useless. So can the activation of credit card be done? What problems may be faced when the activation of credit card is not done?
Is it OK if the credit card is not activated?
No matter what is the original intention of everyone to apply for credit card, the right to activate is in our own hands. The bank will not compel everyone to activate the card. As we all know, banks usually charge a certain amount of annual fee to credit card holders. Of course, the annual fee can be exempted after spending several times. If you don't activate an ordinary credit card, you won't be charged an annual fee, so it doesn't matter if you don't activate an ordinary credit card.
If it's a high-end card such as platinum card, some banks will charge a certain amount of annual fee when they issue the card, regardless of whether you activate it or not. If you do high-end cards like platinum cards, if you don't want to use them, it's better to sell them as early as possible, and don't leave them on the side. Because the credit card does not pay the annual fee, it will also be considered overdue by the bank. Once the bank reports the credit investigation, it will be more troublesome.
It can be seen that even if the ordinary credit card is not activated, normally there will be no problem, but for this kind of card, if you do not activate it, xicaijun suggests that you sell it better.
What are the possible problems with not activating the credit card?
It's in your hand to activate the credit card, but from the following three situations, if you don't intend to activate your credit card, it's better to sell it as early as possible.
1. Influence credit. As mentioned above, the platinum credit card of some banks will be charged an annual fee whether you activate it or not. Forgetting to pay the annual fee will also be recorded as overdue by the bank, which will affect your future life. In order to avoid the situation that everyone is overdue due to forgetting to pay the annual fee, it's better to cancel the card that you don't want to activate.
2. There is a risk of theft. It is generally believed that if the card is not activated, it will have no effect even if it is stolen by criminals. But in the current technology, once everyone's card is stolen, whether it is activated or not, criminals can also rely on some equipment to copy out the data of everyone's card, so as to carry out criminal activities. In order not to suffer losses, from this point of view, the cancellation of these cards to protect some.
3. Affect the amount of card handling in the future. As for credit card, there has always been a saying about the total amount of credit in this circle. Generally, the bank will give you a comprehensive credit line based on the total amount of all your credit card lines. Once you handle too many credit cards, although they are not activated, they will also account for a part of the total credit amount. Finally, it may appear that you want to handle a high limit card and get it with a relatively low limit.
Some bank credit cards are easy to sell. The customer service number of the bank is usually printed on the back of the card. The card can also be sold by mobile phone. But some banks are troublesome, so they need to go to the counter to deal with card sales. At the same time, in order to cause unnecessary trouble in the future, even if the credit card has been cancelled, we still use scissors to cut the magnetic stripe.
To sum up, even if the credit card is not activated, it will have a great impact. If you don't want to use it, just close the account. Don't throw it around, so as not to be used by lawbreakers. How do you deal with credit cards that you don't use? If you have some cards that you don't want to use, you'd better sell them as early as possible to avoid losses.