Anonymous

28 Dec 2019

∙

What happens when I get a credit card approval but did not activate it? Should I cancel or just leave it?

I do have a couple of credit card that was sent to me on top of the main one which I had applied. However, I did not activate them as I did not need it. What should I do? Call to cancel it or leave it as it is?

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Pang Zhe Liang

28 Dec 2019

Fee-Based Financial Advisory Manager at Financial Alliance Pte Ltd (IFA Firm)

If the card is not activated, then it is not usable. If you do not need the card, I will call in to the customer service centre to request for them to cancel it. Thereafter, cut the card into half and toss it.

While the above steps are not mandatory (since there is no way to use an inactive card), I prefer to do it so that the bank knows 1) my intention not to use the card; 2) and the card is deemed invalid. This way, it leaves no ground for unnecessary complications.

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