Applying for credit card deactivation has certain influence on the applicant, as follows: 1. Affect the applicant's credit information. After the applicant applies for a credit card, it will be displayed in the bank's credit information system. If the cardholder is not activated for a long time, there is a record of "the card is not activated" in the credit information system, which may affect his future loan and other credit card applications. 2. There may be a certain annual fee. Some banks charge an annual fee from the day the credit card is sent, and some charge an annual fee from the second year. If the cardholder is not activated for a long time, resulting in arrears, it will not only pay penalty interest and late fees, but also affect personal credit. Finally, if the credit card is not used, the cardholder can return the card through the counter or telephone to avoid affecting the credit information.

1. How long will the credit card expire?

If the credit card is not activated, it will not automatically expire before its validity expires. Many people mistakenly think that credit cards will be invalidated after being idle for two months, but this is not the case. Credit cards issued by banks are generally valid for 3-5 years, and special cards are valid for 8 years. If the credit card is not activated, it means it will take 3-5 years or 8 years to expire. However, it should be noted that if the Platinum Card is not activated, an annual fee will be charged.

The China Banking Regulatory Commission stipulates: "Before the cardholder activates the credit card, the banking financial institution shall not deduct any fees, except that the cardholder authorizes the banking financial institution to deduct the fees by means of telephone recording or written electronic signature of the customer service center." Under normal circumstances, there is no annual fee if the credit card is not activated. But many platinum cards are not like this. Even if it is not activated, there is still an annual fee. Simply put, Platinum Card is a relatively advanced credit card. Platinum card provides a number of value-added services, such as airport shuttle, airport VIP treatment, million-level aviation accident insurance and so on.

Because platinum cards need to provide some high-value value-added services, banks have to bear a lot of expenses for this. Therefore, it is stipulated that platinum card users will charge the same annual fee even if they don't activate their cards. Therefore, users of platinum cards must remember that even if they are not activated, there will be an annual fee. Users of Puka and Gold Cards should also call the bank to confirm whether there will be annual fees or other fees if they are not activated.

2. What are the credit card banks?

1. State-owned banks: China Bank, Industrial and Commercial Bank, Agricultural Bank, China Construction Bank and Postal Savings Bank;

2. Commercial banks: China Merchants Bank, Bank of Communications, China Guangfa Bank, China CITIC Bank, Industrial Bank, Minsheng Bank, Ping An Bank, Shanghai Pudong Development Bank, China Everbright Bank, Huaxia Bank and Citibank;

3. Regional banks: Beijing Bank, Jiangsu Bank, Shanghai Rural Commercial Bank, Baoshang Bank, Bank of Ningbo Bank, Hangzhou Bank, Nanjing Bank, Bible Bank, Shanghai Bank, Chongqing Bank, Harbin Bank, bank of tianjin Bank and Wenzhou Bank. Many cities have regional banks.