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【速搜问答】信用卡没激活会影响征信吗

问答 admin 9个月前 (03-11) 141次浏览 已收录 0个评论

汉英对照:
Chinese-English Translation:

办信用卡不激活也会在客户个人的征信报告上有记录。因为客户去申请信用卡,银行是需要审查客户的征信报告来评估其信用状况,好判断该客户是否具备办卡资格的。客户办了卡后如果不激活卡片,那在征信上就会显示为未激活账户,但一般没有负面影响。

Do not activate the credit card will also be recorded in the customer’s personal credit report. Because when a customer applies for a credit card, the bank needs to review the customer’s credit report to evaluate his credit status, so as to judge whether the customer is qualified to apply for a credit card. If the card is not activated after the customer has made the card, it will be displayed as an inactive account in the credit reference, but generally there is no negative impact.

办信用卡不激活也会在客户个人的征信报告上有记录。因为客户去申请信用卡,银行是需要审查客户的征信报告来评估其信用状况,好判断该客户是否具备办卡资格的。所以早在信用卡审核期间,银行以“信用卡审核”为名义的查询记录就留在申请者的征信报告上了。

Do not activate the credit card will also be recorded in the customer’s personal credit report. Because when a customer applies for a credit card, the bank needs to review the customer’s credit report to evaluate his credit status, so as to judge whether the customer is qualified to apply for a credit card. So as early as in the credit card audit period, the bank’s inquiry record in the name of “credit card audit” was left on the applicant’s credit report.

简单来说,不管银行最终是否下卡,个人征信报告里都会有申卡记录。而银行在批卡之后,信用卡的核准时间、币种和初始额度等相关信息也会体现在客户的征信报告当中。

In short, no matter whether the bank will issue the card or not, there will be card application records in the personal credit report. After the bank approves the card, the approval time, currency and initial limit of the credit card will also be reflected in the customer’s credit report.

还有,大家需要注意,客户办了卡后如果不激活卡片,那在征信上就会显示为未激活账户,但一般没有负面影响。所以卡片是否激活这些信息在征信报告里也是能够查找到的。而卡片激活后,消费还款情况也会记录在征信里。如果客户用卡时出现不良行为,那也会被记录到征信上去。

In addition, you need to note that if the card is not activated after the customer has made the card, it will be displayed as an inactive account on the credit reference, but generally there is no negative impact. So whether the card is activated or not can be found in the credit report. After the card is activated, the consumption repayment will also be recorded in the credit reference. If the customer has bad behavior when using the card, it will also be recorded in the credit reference.

信用卡不激活一般不会上征信,但是个别的信用卡下卡后就算不激活也会收取年费,如果年费没有按时归还就会形成逾期,逾期时间过长就会上征信,所以在申请信用卡时一定要弄清楚自己的信用卡怎么收取年费。

Credit card is not activated, generally not on the credit, but individual credit card under the card even if not activated will charge annual fee, if the annual fee is not returned on time will form overdue, overdue time is too long will be on the credit, so when applying for a credit card, we must make sure that their credit card how to charge annual fee.

其实如果信用卡不激活最好不要申请,申请后就算不用,征信报告中也会有申请记录,如果出现的次数较多,还是会产生各种影响,毕竟办理信用卡是完全免费的,卡片和快递等费用都是银行来承担,一张卡片不激活,也就让银行无法在后期赚钱,直接损失一张卡片的成本;以后申请信用卡就会比较难。

In fact, if the credit card is not activated, it is best not to apply. Even if it is not used after the application, there will be application records in the credit report. If it occurs more often, it will still have various effects. After all, it is completely free to apply for the credit card. The bank will bear the cost of the card and express delivery. If a card is not activated, it will make the bank unable to make money in the later period and directly lose a card It will be more difficult to apply for a credit card in the future.

总体来说一张信用卡不激活不会产生影响,如果不激活的数量较多,才会对个人产生影响;如果个人对银行下卡额度不满意才不激活,这种情况可以先激活使用,后期慢慢提升额度就可以,主要的技巧是增加刷卡次数、按时还款、使用临时额度等,拨打银行客服就可以办理,通常 7 天会出结果。

Generally speaking, if a credit card is not activated, it will not have an impact on individuals. If individuals are not satisfied with the amount of credit card issued by the bank, they will not be activated. In this case, they can activate and use it first, and then slowly increase the amount. The main skills are to increase the number of times to swipe the card, repay on time, and use the temporary amount. It’s easy to call the bank customer service Can handle, usually 7 days will give the result.


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