What happens if i don t activate a credit card?

What happens if i don t activate a credit card?

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When you receive a new credit card in the mail, it often comes with instructions to activate it before you can start using it. But what happens if you don’t activate your credit card? In this article, we will explore the consequences and potential risks of not activating a credit card.

Why do credit cards need to be activated?

Credit card activation is a security measure implemented by credit card issuers to ensure that the card reaches the intended recipient and to prevent unauthorized use. Activation typically involves calling a toll-free number or visiting the issuer’s website to confirm your identity and activate the card.

Consequences of not activating a credit card: If you choose not to activate your credit card, it will remain inactive, and you won’t be able to use it for any transactions. This means you won’t be able to make purchases, withdraw cash, or take advantage of any benefits or rewards associated with the card.

Expiration of the activation period

Most credit card issuers provide a specific timeframe within which you need to activate your card. If you fail to activate it within this period, the card may be considered expired, and you may need to request a new card from the issuer. The expiration period varies depending on the issuer, so it’s essential to check the instructions provided with your credit card.

Receiving a replacement card: If your credit card expires due to non-activation, you will need to contact the issuer to request a replacement card. This may involve going through the application process again, which can be time-consuming. Additionally, if there were any promotional offers or benefits associated with the original card, you may not be eligible for them with the replacement card.

Impact on credit score

Utilization ratio: One factor that affects your credit score is your credit utilization ratio, which is the amount of credit you are using compared to your total available credit. By not activating a credit card, you are effectively reducing your available credit, which can increase your credit utilization ratio. This, in turn, can negatively impact your credit score.

Length of credit history: Another factor that contributes to your credit score is the length of your credit history. If you don’t activate a credit card, it won’t be reported to the credit bureaus, and therefore, won’t contribute to the length of your credit history. This can potentially limit your ability to build a positive credit history over time.

Identity theft and fraud risks

By not activating your credit card, you may be exposing yourself to potential identity theft and fraud risks. If someone else gets hold of your inactive card, they may attempt to activate it and use it for unauthorized transactions. It’s important to remember that even if you don’t activate the card, the card number and other details can still be used for fraudulent purposes.


In conclusion, not activating a credit card can have several consequences. It can prevent you from using the card for purchases or accessing any associated benefits. It may also require you to go through the process of requesting a replacement card. Furthermore, it can impact your credit score by affecting your credit utilization ratio and limiting the length of your credit history. Additionally, there is a risk of identity theft and fraud if someone else gains access to your inactive card. It is always advisable to activate your credit card promptly to avoid these potential issues.


– www.creditcards.com
– www.thebalance.com
– www.experian.com

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