Credit cards will be lost if they are not activated. Whether it will affect it depends. 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, which still charge an annual fee if they are not opened. The cardholder unconsciously owes a sum of money to the bank first, and if he fails to repay it on time, he will charge interest and late fees.

Most banks pay interest in full, and the interest will be high. Of course, overdue repayment will also affect your personal credit history. There are bad records in the credit report, so it is difficult to apply for mortgage and car loan in the future. Therefore, this phenomenon of "dormant" credit card not only wastes the bank's resources, increases the financial cost of the cardholder, but also may leave a bad credit record for the cardholder and affect personal economic life.

Extended data:

How to deal with the loss of credit card without activation?

1. Please contact the credit card center immediately to reissue your credit card:

2. Send a letter to the electronic credit card center of the bank to inform that the credit card is lost;

3. Go to the bank outlet to report the loss. The cost of reporting the loss of a credit card is about 50 yuan.

4. Wait for the credit card center to reissue a new card after reporting the loss;

5. The new card needs to be activated before it can be used.

References:

Credit card-Baidu encyclopedia