[問題] 因年費未繳而被終止用卡
手上有一張匯豐的信用卡,最早是因為看電影的優惠而辦的
但在失去優惠之後,就一直沒怎麼刷
之前還發生被盜刷事件,之後匯豐還換發了一張新卡給我
但因為已經沒什麼動力刷,所以就一直擺著也沒有開卡
今天收到匯豐寄來的終止信用卡契約關係
看信的內容才發現是帳單有年費但我都沒有繳
因為都沒刷,所以也不會開電子帳單來看,根本不知道有年費這件事(汗)
我想請問的問題是:
(1) 這樣會影響信用嗎?
(2) 這樣會影響未來申辦匯豐信用卡的審核嗎?(被列為黑名單之類的)
因為這張卡滿雞肋的,幾乎毫無用處
如果都沒有影響,也不想特地打電話去處理這件事
(但誰知道未來會不會推出吸引我的卡)
謝謝大家
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