This article will talk about whether the fee will be deducted if the credit card is not activated, and if I get the credit card , Not activated, I don’t want the corresponding knowledge points, I hope it will be helpful to everyone, don’t forget to bookmark this site. List of contents in this article: 1. Will there be a fee if the credit card is not activated? 2. Will the credit card be deducted if it is not activated? 3. Will the annual fee be deducted if the credit card is not activated? 4. Will the unactivated credit card be charged an annual fee? Is the annual fee deducted if the credit card is not activated? Will there be a fee if the credit card is not activated? 1. No, before the credit card is activated by the cardholder, the bank is not allowed to charge the annual fee. Credit card agencies all adopt the practice of exempting the annual fee for the first year, and exempting the annual fee for the next year when swiping the card reaches a certain standard, but not all cards are like this. 2. Most banks and most card types do not charge fees if they are not activated. However, for many large-amount platinum and above card types, there is indeed a statement on the bank's official website and written credit card benefits when applying for the card that "once the card is issued, regardless of whether it is activated or not. No, an annual fee will be charged”. 3. First: Don't worry, no fees will be deducted for non-activation. The China Banking Regulatory Commission stipulates: "Banking financial institutions shall not deduct any fees before the cardholder activates the credit card, except that the cardholder authorizes the banking financial institution to deduct fees by means of written customer service center call recording or electronic signature. If the credit card is not activated, it will be deducted." Is there a fee? No, before the credit card is activated by the cardholder, the bank is not allowed to charge an annual fee, but in the face of different banks' various rules for handling credit card annual fees. Credit card agencies are free of annual fees for the first year. The practice of annual fee for the next year, but not all cards are like this. If you don’t activate it, there will be no fee. The China Banking Regulatory Commission has clear regulations on this. The cardholder must bring his ID card to activate it before starting to calculate and charge Annual fees and other expenses. The China Banking Regulatory Commission has long issued a regulation that as long as the credit card applicant does not activate the credit card, the annual fee is not allowed. At the same time, the bank is not allowed to open the credit card that has not been activated for the applicant. No. \x0d\x0a Credit cards are not used It will not be automatically cancelled\x0d\x0aThe credit card is successfully processed, and it will be recorded in the personal credit report one by one. Regardless of whether the credit card is activated or not, the bank will not automatically cancel the card. Will the annual fee be deducted if the credit card is not activated? Issued regulations, as long as the credit card applicant does not activate the credit card, it is not allowed to charge the annual fee. At the same time, the bank is not allowed to open the unactivated credit card for the applicant without permission. Most credit cards do not charge the annual fee if they are not activated, and a few special cards are not activated. There will also be a card bank with an annual fee. There will be special reminders when handling the card. Generally speaking, if your credit card is not activated, it will not have a bad impact on your personal credit record, and there will be no annual fee. Most credit cards There is no annual fee without activation, but there are also a small number of credit cards with special functions and high-level credit cards that charge annual fees without opening the card. The China Banking Regulatory Commission stipulates: "Banking financial institutions shall not deduct any fees before the cardholder activates the credit card. Except for the case where the cardholder authorizes the banking financial institution to withhold fees by means of written call recording or electronic signature of the customer service center. "However, it should be noted that if the platinum card is not activated, it will also charge an annual fee. Will an unactivated credit card charge an annual fee? The China Banking Regulatory Commission has long issued regulations. Open an unactivated credit card for the applicant privately. According to the relevant regulatory policies of the central bank, the bank cannot charge any fees for unactivated credit cards, including annual fees, card swiping fees, SMS notification fees, etc. So usually, even if you get a credit card, you don’t Will activation deduct fees? If you apply for a credit card and do not cancel it, it will not have any impact. Most credit cards do not charge annual fees if they are not activated. A few special cards that do not activate will also have an annual fee when the bank handles the card. There will be a special reminder. Most banks and most types of cards do not charge fees for inactivation, but for many types of large-value platinum and above cards, there is indeed a "once the card is issued, Regardless of whether it is activated or not, the annual fee will be charged". Normally, if the credit card is not activated, there is no annual fee. But this is not the case for many platinum cards. Even if the credit card is not activated, will the fee be deducted? If you have not activated it, you will also be charged an annual fee. Because the Platinum Card needs to provide some high-value value-added services, the bank will have to bear a large expenditure for this. Generally speaking, if your credit card is not activated, it will not be good for you. There will be no adverse effects on personal credit records, and no annual fee will be charged. Most credit cards have no annual fee if they are not activated, but there are also a small number of special-function credit cards and high-level credit cards that charge annual fees even if they are not opened. If the credit card is not activated, will the annual fee be deducted? 1. The China Banking Regulatory Commission has long issued regulations, as long as the credit card applicant does not activate the credit card, the annual fee is not allowed, and the bank is not allowed to open the credit card that has not been activated for the applicant without authorization. 2. Large Some credit cards do not charge an annual fee if they are not activated, and the bank will give special reminders for a few special cards that will have an annual fee if they are not activated. 3. Generally speaking, if your credit card is not activated, it will affect your personal There will be no adverse effects on credit records, and there will be no annual fee. Most credit cards have no annual fee if they are not activated, but there are also a small number of credit cards with special functions and high-level credit cards that charge annual fees without opening the card. 4 、Generally speaking, if the credit card is not activated, there is no annual fee. But this is not the case with many platinum cards. Even if you have not activated it, the annual fee is also charged. Because the platinum card needs to provide some high-value value-added service, so the bank has to bear a large expenditure for this. 5. According to the requirements of the relevant departments of our country, the unactivated credit card generally cannot charge the annual fee, so there is no risk of overdue if it is not charged. Of course, For VIP cards of some banks, even if they are not activated, there may be an annual fee. If you do not pay the annual fee in time, it may have a negative impact on your credit. 6. If there is no annual fee, it is fine not to activate it. Otherwise Be sure to go through the cancellation procedures when not in use. Leaving aside the issue of annual fees, as long as you apply for a credit card, no matter whether it is activated or not, there will be a record of the card in your credit report. This is the end of the introduction about whether the fee will be deducted if the credit card is not activated and if you get the credit card, but it is not activated and you don’t want it anymore. I wonder if you have found the information you need? If you want to know more about this, remember to bookmark and follow this site.