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Our goal is to give you the best advice to help you make smart personal finance decisions. Every once in a while, you might apply for a new credit card you ultimately decide you don't need. Maybe you were pressured to open a store card at check out, or you wanted to take advantage of welcome bonus but later decided the annual fee was too high. If you're in this boat, you might consider simply not activating the card and hope the account just disappears.
But your account is considered open the moment your application is approved — regardless of whether you activate the card. Since opening a new account can have some impact on your credit score, you need to know what to do if you realize you don't want to activate your card and what options you have.
Below, CNBC Select review what happens if you don't activate a credit card and how that affects your credit score. Your account is considered open from the date you're approved for the card. If you don't activate your card your account will still be open, you just won't be able to use it.
Your card issuer may reach out if you haven't activated your card after a certain amount of time, usually 45 to 60 days, to see if you received it. After that time, you may need to request a new card if you want to activate it. Resource Center View personal banking resources and calculators from Cadence Bank to help you streamline the way you manage your money and improve your financial health. How can I activate my credit card?
What if I have more questions? What should I do if my card is lost or stolen? Stay in the loop, subscribe to our newsletter. We take your privacy seriously. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines. Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations.
Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines. Unfortunately, even if your card is not activated, the account is probably open. So, in most cases, your credit card account will be opened automatically upon approval, even before your physical credit card is activated. For security, a credit card usually needs to be activated once you get it in the mail, before you can use it.
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