没钱的银行卡是"销户"还是"留着"？
<p><span style="font-size: 18px; background-color: rgb(255, 255, 255); font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px;">虽然现在出门大都是移动支付，用手机扫一扫码就搞定，但个别的支付APP还是要绑定银行卡的。</span><br/></p><p></p><section style="max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important; overflow-wrap: break-word !important;">大家手里可能会有一两张闲置的银行卡，里面没钱也不去注销，还留着，事实上，这种卡就是所谓的“双零卡”。</span></p></section></section><p></p><blockquote style="color: rgba(0, 0, 0, 0.498); max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important;"><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important; overflow-wrap: break-word !important;"> “双零卡”是指存款余额和应计、未计利息数均为零的银行卡。</span></p></blockquote><p style="max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">银行卡分为两种，</span><span style="max-width: 100%; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; background-color: rgb(253, 239, 176); box-sizing: border-box !important; overflow-wrap: break-word !important;">一种是信用卡，一种是储蓄卡。</span></strong>根据卡的类型不同，不注销产生的后果也不同。</span></span></p><p></p><section style="max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important;"><section data-role="outer" label="Powered by 135editor.com" style="max-width: 100%; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section data-tools="135编辑器" data-id="95518" style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><figure style="max-width: 100%; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section data-tools="135编辑器" data-id="93090" data-color="#1e9be8" data-custom="#1e9be8" style="max-width: 100%; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section data-width="100%" style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section data-tools="135编辑器" data-id="89516" style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="max-width: 100%; text-align: center; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="padding: 0.5em; max-width: 100%; height: auto; overflow: hidden; display: inline-block; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="padding: 0.5em 2em; max-width: 100%; width: auto; overflow: hidden; box-shadow: rgba(0, 0, 0, 0.298) 0px 0px 8px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="max-width: 100%; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;">银行卡</strong><strong style="max-width: 100%; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;">没钱也不销户会怎样？</strong></span></p></section></section></section></section></section></section></section></section></section></figure></section></section></section></section></section></section></section><p></p><p></p><section style="max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important;"><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="max-width: 100%; color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; background-color: rgb(225, 117, 94); box-sizing: border-box !important; overflow-wrap: break-word !important;">一、储蓄卡</span></strong></span></p></section><p></p><p></p><section style="max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important; overflow-wrap: break-word !important;">如果你的卡是储蓄卡，长时间没使用，但里面还有一点余额，比如低于300元，那么银行就会扣除年度小额的管理费用<span style="max-width: 100%; color: rgb(136, 136, 136); box-sizing: border-box !important; overflow-wrap: break-word !important;">（一般每年10元）</span>，直到扣光为止。</span></section><p></p><p></p><section style="max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">如果你还开通了短信服务，那就是按月来扣除费用了。总而言之，只要你卡里面有钱，</span><span style="max-width: 100%; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; letter-spacing: 0.544px; background-color: rgb(253, 239, 176); box-sizing: border-box !important; overflow-wrap: break-word !important;">银行会一直扣钱，直到扣光为止，</span></strong></span><span style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">但不会达到欠钱的地步。</span></span></section><p></p><p style="max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">当钱被扣光之后，6个月无交易</span><span style="max-width: 100%; color: rgb(136, 136, 136); box-sizing: border-box !important; overflow-wrap: break-word !important;">（各家银行的期限不同）</span><span style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">，会被转成“睡眠卡”，不能取钱也不能收钱，想要再次使用的话只能去银行激活。</span></span></p><p style="max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important; overflow-wrap: break-word !important;">如果超过2~5年内<span style="max-width: 100%; color: rgb(136, 136, 136); box-sizing: border-box !important; overflow-wrap: break-word !important;">（各家银行的期限不同）</span>没有使用，银行系统内将自动清理和注销这些账户。这对于大多数人来说，损失的钱只是小额。</span></p><p style="max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">所以，你是储蓄卡的话，卡里没有钱也没有去销户，</span><span style="max-width: 100%; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; letter-spacing: 0.544px; background-color: rgb(253, 239, 176); box-sizing: border-box !important; overflow-wrap: break-word !important;">无需担心多年以后会欠银行很多钱。</span></strong></span></span></p><p style="max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important; overflow-wrap: break-word !important;">如果你的卡是信用卡，性质就完全不一样了，那就一定要注意了。</span></p><p style="max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); text-align: center; box-sizing: border-box !important; overflow-wrap: break-word !important;"></p><p></p><section style="max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important;"><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="max-width: 100%; color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; background-color: rgb(225, 117, 94); box-sizing: border-box !important; overflow-wrap: break-word !important;">二、信用卡</span></strong></span></p></section><p></p><p style="max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">信用卡不用了不注销会产生年费，如果产生的年费不及时的归还，那么就会逾期，在逾期还款后就会产生罚息，</span><span style="max-width: 100%; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; letter-spacing: 0.544px; background-color: rgb(253, 239, 176); box-sizing: border-box !important; overflow-wrap: break-word !important;">时间越长产生的罚息越多。</span></strong></span><span style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">而且在逾期还款后会影响个人征信，征信变不良影响各种贷款的办理。</span></span></p><p style="max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">信用卡注销时分为</span><span style="max-width: 100%; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; letter-spacing: 0.544px; background-color: rgb(253, 239, 176); box-sizing: border-box !important; overflow-wrap: break-word !important;">销卡和销户</span></strong></span><span style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">，办理销卡时只注销卡片本身，用户在银行内的信息不会删除，如果后续想继续使用这家银行的信用卡，直接拨打银行电话申请新卡就可以，不需要提交任何资料。</span></span></p><p style="max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">如果信用卡注销时办理销户，那么用户在银行中的所有信息都会删除，后续想要使用这家银行的信用卡时，</span><span style="max-width: 100%; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; letter-spacing: 0.544px; background-color: rgb(253, 239, 176); box-sizing: border-box !important; overflow-wrap: break-word !important;">用户必须重新提交申请材料，</span></strong></span><span style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">银行批准以后才能拿到信用卡，在申请时可能会被银行拒绝。</span></span></p><p style="max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">在注销信用卡时一定要还清信用卡产生的所有欠款，同时信用卡内不能有溢缴款，</span><span style="max-width: 100%; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; letter-spacing: 0.544px; background-color: rgb(253, 239, 176); box-sizing: border-box !important; overflow-wrap: break-word !important;">卡内存在溢缴款时注销不会成功。</span></strong></span><span style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">在注销信用卡时可以直接拨打银行信用卡客服热线办理，核实用户信息后就可以进行注销。</span></span></p><p style="max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">信用卡提交注销以后就不能使用了，否则信用卡会注销失败，而且提交注销45 天以后，要拨打银行电话进行咨询，确认是否注销成功；卡片注销成功之后，一定要把旧的</span><span style="max-width: 100%; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; letter-spacing: 0.544px; background-color: rgb(253, 239, 176); box-sizing: border-box !important; overflow-wrap: break-word !important;">卡片沿着背面磁条剪断，防止卡片被人盗刷。</span></strong></span></span></p><p style="max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); text-align: center; box-sizing: border-box !important; overflow-wrap: break-word !important;"></p><p></p><section style="max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important;"><section data-role="outer" label="Powered by 135editor.com" style="max-width: 100%; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section data-tools="135编辑器" data-id="95518" style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><figure style="max-width: 100%; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section data-tools="135编辑器" data-id="93090" data-color="#1e9be8" data-custom="#1e9be8" style="max-width: 100%; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section data-width="100%" style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section data-tools="135编辑器" data-id="89516" style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="max-width: 100%; text-align: center; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="padding: 0.5em; max-width: 100%; height: auto; overflow: hidden; display: inline-block; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="padding: 0.5em 2em; max-width: 100%; width: auto; overflow: hidden; box-shadow: rgba(0, 0, 0, 0.298) 0px 0px 8px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">未激活的信用卡需要注销吗？</strong></span></p></section></section></section></section></section></section></section></section></section></figure></section></section></section></section></section></section></section><p></p><p></p><section style="max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">一般信用卡不激活不会产生年费，但有一些高端的信用卡，比如白金卡，只要核发下来，就算</span><span style="max-width: 100%; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; letter-spacing: 0.544px; background-color: rgb(253, 239, 176); box-sizing: border-box !important; overflow-wrap: break-word !important;">不激活也会产生年费。</span></strong></span></span></section><section style="max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">只要卡片核发下来，不管激活与否，都会体现在你的信用报告上，占用你的授信总额度，</span><span style="max-width: 100%; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; letter-spacing: 0.544px; background-color: rgb(253, 239, 176); box-sizing: border-box !important; overflow-wrap: break-word !important;">一旦有逾期还款记录，就会影响个人征信。</span></strong></span></span></section><p></p><p style="max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important; overflow-wrap: break-word !important;">所以未激活的信用卡，<strong style="max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">不用的话也要及时注销。</strong></span></p><p style="max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important; overflow-wrap: break-word !important;">所以，建议大家还是不要轻易办卡，即便办了未激活，注销掉即可！</span></p><p style="max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="color: rgb(127, 127, 127);">来源：科普小松鼠</span></p><link rel="stylesheet" href="//bbs.0830xy.com/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_Y8N" id="wcn_editor_css"/>
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