If the cardholder is very sure that his credit card will not be activated, it is best to apply to the bank for cancellation, because it will have the following effects:

1. If a high-level credit card is not activated, it may also generate an annual fee

If the card is not activated, it will first involve an annual fee. Most credit cards are not activated and there is no annual fee, but some high-level credit cards and some credit cards with special materials will also generate an annual fee if they are not activated.

2. If the credit card is not activated, there will be debts due to mailing fees.

At present, the main methods of sending credit cards are surface mail, registered mail and express delivery, and cardholders can choose the sending method when handling the card. Generally speaking, there is no charge for surface mail and registered mail, but for express delivery, the charge will be around 2 yuan. In order to get the card faster, some cardholders will choose express delivery or EMS when sending it, and they don't need to pay any fees when receiving the card. Many people think that the bank pays the bill, but it is not, because this fee will go directly into the credit card bill, even if you don't open the card.

3. Inactive credit cards will occupy the credit line, and cardholders will be affected when handling new credit business.

As long as a credit card is handled, whether it is activated or not will be reflected in the personal credit information system, and the bank will inquire about it when handling credit cards in the future. Too many inactive credit cards will affect the approval of new cards.