If the debit card fee is like this, the small account management fee+annual fee in 3 yuan will be deducted from 22 yuan every quarter 10 yuan, depending on how many years you have used it.

If you don't want to pay, don't mind the card. Cut it off and void it.

If you want to clear the record, pay and cancel the card.

You have to pay back the money on your credit card, and then you have to stay for two years, so that the bad credit record can be eliminated, otherwise this record will always follow you.