Consider this scenario: You apply for a credit card, get approved, and the physical card arrives a few days later. But you forget to activate it or have second thoughts about activating it and put it off.
What happens if you decide to hold off on activating the card until you’re sure you want to use it? Does an unused credit card affect your credit score, even if you don’t technically activate it or make any purchases with it?
The simple answer is yes.