1. The credit card is not activated, and there will be a credit card application record on the personal credit report.

2. If the credit card is not activated, it will occupy the cardholder's personal credit limit and affect the credit limit for applying for other credit cards and loans.

3. If the credit card is not activated, an annual fee may be charged. Some credit cards will be charged an annual fee if they are not activated If the payment is not made in time, it will be overdue, which will affect the credit, and then affect the cardholder's personal financial lending affairs and credit card application.