This article will tell you about whether the credit card is not activated will affect the loan, and whether the credit card will be deducted if the credit card is not activated I hope it will be helpful to you, don't forget to bookmark this site. A list of the contents of this article: 1. Is it affected if the credit card (credit card) is not activated? 2. If the ordinary credit card of Minsheng Bank is not activated, will it be recorded in the credit report? In the future, if you apply for a card or a loan, there will be...3 4. Is there any impact if the credit card is not activated? 4. If the credit card (credit card) is not activated after being approved, will it affect the credit investigation? 5. Does it affect the credit card if it is not activated? What will happen to the activation? Is it affected if the credit card (debit card) is not activated? After the application for the credit card (debit card) is successful, if it is not activated, it cannot be used normally. There will be no annual fee, and the credit card (debit card) expires. After that, it will fail, and generally it will have no effect. The impact of not activating the credit card is as follows: if the credit card is not activated, there will be a credit card application record on the personal credit report. If the credit card is not activated, it will occupy the personal credit line of the cardholder and affect the application for other credit cards and loan lines. There may be an annual fee for not activating the debit card. If the credit card (credit card) is not activated, there may be the following impacts: Annual fee: In general, the credit card (credit card) is not activated without an annual fee, but some special types of cards will also have an annual fee if they are not activated. The inactivation of the applied-for credit card will have a certain impact on the applicant, and the specific circumstances are as follows: It will affect the applicant's credit investigation. It may affect your credit: Some special credit cards (debit cards) will generate annual fees if they are not activated. Overdue will inevitably affect your personal credit. Minsheng Bank's ordinary credit card has not been activated, will there be a record in the credit report? After applying for a card, loan, there is... Hello: there will be a record in the credit report, but the card status is displayed as: not activated. An unactivated card will affect your credit card processing at the villa's bank, but will not affect your loan application. Hello, it will not be affected if you do not activate it. There is a deadline, and it will be automatically canceled if you do not activate it. Without activation, there will be no record of your credit card in the credit report, and it will basically have no effect on applying for a credit card in the future, but your credit inquiry record will include the credit inquiry record of Minsheng Bank. If the credit card is not activated, there will be no credit record and it will not affect your future credit. If the credit card is activated without your knowledge, the bank will take full responsibility. Don’t worry about this. The bank is very cautious in doing these things and requires double-check authorization. The inactivation of the applied-for credit card will have a certain impact on the applicant, and the specific circumstances are as follows: It will affect the applicant's credit investigation. Is there any impact if the credit card is not activated? If the credit card is not activated, will the credit card not be activated affect the loan? For example, if the platinum card is not activated, an annual fee will be charged, because the platinum card will provide some high-value value-added services, so the bank bears a relatively large fee. Second: There is also a risk of fraudulent credit card fraud if the credit card is not activated. It may affect the next card application: Whether you choose to activate or not, your application time, application amount and other information will be uploaded to the credit information system. Although it will not be regarded as a bad record, it will be difficult to apply for a card later, and the application may fail. Deactivation of the credit card generally has no effect. If the credit card is overdue, if the cardholder has no intention of repaying the loan as soon as possible after the overdue period, he can ask the issuing bank to explain the situation and ask for a "non-malicious overdue certificate". With this certificate, even if the cardholder has an overdue record, the application for a mortgage will not be affected. If you don’t want to use your credit card after applying, it’s okay not to activate it, and it won’t affect you. However, although the vast majority of credit cards have no fee for deactivation and no annual fee, there are still some special cards that need to be paid attention to, such as platinum cards of some banks, customized cards, etc., do not take it lightly, as it may cause arrears to be overdue. If the credit card (credit card) is not activated after being approved, will it affect the credit investigation? 1. If the credit card is not activated after application, the credit will not be affected. Because the credit card is not activated, it will show "Inactive" on your credit report. Therefore, when other financial institutions look up your credit information, they ignore the inactive card. 2. It will affect personal credit. The credit card information that has not been activated will have a record such as "the card has not been activated" in the credit report. Then, with such a credit record, if there are credit applications in the future, banks or other financial institutions will evaluate such records to consider whether to approve you. 3. The inactivation of the credit card applied for will have a certain impact on the applicant. The specific situation is as follows: It will affect the applicant's credit investigation. Does it matter if the credit card is activated or not activated? However, it is best to use the credit card after activation, because some credit cards need to pay an annual fee after activation. If you don’t want to use your credit card after applying, it’s okay not to activate it, and it won’t affect you. However, although the vast majority of credit cards have no fee for deactivation and no annual fee, there are still some special cards that need to be paid attention to, such as platinum cards of some banks, customized cards, etc., do not take it lightly, as it may cause arrears to be overdue. The inactivation of the applied-for credit card will have a certain impact on the applicant, and the specific circumstances are as follows: It will affect the applicant's credit investigation. It may affect the next card application: Whether you choose to activate or not, your application time, application amount and other information will be uploaded to the credit information system. Although it will not be regarded as a bad record, it will be difficult to apply for a card later, and the application may fail. Generally speaking, if the credit card is not activated, it will not affect personal credit. However, if the credit card you apply for is a high-end card or a customized card, then even if you do not activate it, there may be an annual fee. If you do not pay attention, the annual fee may be overdue. Thus affecting personal credit. What happens if the credit card (credit card) is not activated after application? 1. Will the annual fee be charged if the credit card is not activated? Will the loan be affected if the credit card is not activated? Such non-activation will also generate an annual fee. 2. After successfully applying for a credit card (credit card), it cannot be used normally if it is not activated, and there will be no annual fee. Will it affect the loan if the credit card is not activated? The credit card (credit card) will become invalid after the validity period. What will happen. 3. It may affect the application of the credit card. Will the loan be affected if the credit card is not activated? debit card), the annual fee will be overdue, and overdue will inevitably affect your personal credit. This is the end of the introduction about whether the credit card is not activated will affect the loan and whether the credit card will be deducted if the credit card is not activated. I wonder if you have found the information you need? 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