Article 49 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks

The issuing bank shall establish the operating rules for credit card activation, and check the identity information of credit card holders before activation. A credit card whose applicant has not signed a contract (agreement) and whose identity has not been confirmed by the activation procedure shall not be activated. The new card, lost card, damaged card and expired card must be activated before the cardholder can use it.

The credit card is not activated by the cardholder, and no fees may be charged.

Under special circumstances, except for the cardholder's written charge, customer service telephone recording, electronic signature and the way recognized by both the cardholder and the issuing bank, the creditor-debtor relationship formed when changing the card. Without the activation and use of the cardholder, the credit card shall not issue any gifts or gift certificates.

Extended data:

Deactivation also affects credit reports.

If the credit card is not activated, the annual fee will be involved first. Most credit cards do not charge an annual fee if they are not activated, but there are also a few credit cards with special materials and advanced credit cards that still charge an annual fee if they are not activated. If you don't repay on time, you will also be charged interest and late fees, which will affect your personal credit record.

In addition, as long as you have a credit card, whether it is activated or not, it will be reflected in the personal credit information system. When you apply for a credit card in the future, the bank will make an inquiry. Too many inactive credit cards will affect the approval of new cards. For credit cards that have been processed but are useless, people in the industry suggest canceling them.

He Xun. Com- credit card is not activated, which may also affect credit investigation.