The reasons are as follows:

1. The annual fee for the first year of China Construction Bank Credit Card is waived. If you swipe the card 3 times in the first year, the annual fee for the next year will be waived.

2. However, if you do not open a card or fail to reach the number of credit card swipes specified by the bank, the bank will definitely charge you an annual fee of 80 yuan. If you do not repay the arrears on time, your personal credit record will definitely be affected.

3. Therefore, if you do not use a credit card, you must cancel it within 12 months after the card issuance date and call the customer service hotline to apply for cancellation.