In general, different banks have different automatic cancellation settings for different types of credit cards. Generally speaking, general credit cards will be automatically cancelled after one year, but gold cards, platinum cards and above will not be automatically cancelled, but will only temporarily enter a "dormant" state. If you apply for a credit card with a gold card or above, not only will it not be cancelled for a short time, but it may also generate charges.

although the CBRC has stipulated that credit cards cannot be charged without the activation of the cardholder. However, the regulations can't cover all situations. At the same time, the regulations also state that "under special circumstances, the cardholder alone authorizes the deduction of fees in a way recognized by both the cardholder and the issuing bank, except for the creditor-debtor relationship formed when changing the card".

Therefore, when applying for a credit card, you must read the card receiving contract carefully, and ask the issuing bank in time whether the credit card you have already applied for has incurred expenses or what expenses will be incurred later. In particular, credit cards with gold cards and above should be paid attention to in time. If you really don't want to use them, you should activate them and cancel them in time, so as not to affect your personal credit information or life.

Extended information:

If an individual successfully applied for a bank's credit card, but it has been "inactive" for a long time, or even chose to cancel it at the "inactive" stage, it is likely that he will be rejected when he applies for the bank's credit card in the future-because the credit card he applied for before has been deactivated and cancelled, unless he is a high-quality customer, he can apply successfully.

Take the credit card of China Merchants Bank as an example. The credit card is in the status of Gold Card and inactive. However, it may still appear when inquiring about the personal central bank's credit information, so if you want to completely cancel this card, you need to go to the counter or handle it at China Merchants Bank official website.

Reference: It is not the same as not charging for a man to apply for eight credit cards a year-Xinhuanet