You don't have to return it Credit card means spending the money you used in the bank in advance and then returning it to the bank. If you don't spend, you don't have to pay back. However, there is an annual fee for credit card use, and there is also a SMS notification fee for opening SMS consumption reminders. If you don't use your credit card, you must repay it to the bank as long as your credit card money is less than the credit card limit.