According to the relevant regulations of CITIC Bank's credit card service, except for annual fee products such as CITIC Unlimited Credit Card, Air China World Credit Card, Platinum Credit Card and Magic Titanium Card, CITIC Bank does not charge any fees when the credit card is not activated.

The annual fee for the first year can be waived if you swipe your card or withdraw money 1 time within 30 days of card approval, and the annual fee for the next year can be waived if you swipe your card or withdraw money five times within one year.

So you must first determine whether your credit card is an ordinary credit card. If it is an ordinary credit card, you can not activate it or cancel it directly if you don't want to use it. If it is an inactive credit card product with an annual fee, it must be repaid on time.

I hope my answer can help you. You can also call the customer service phone of the bank for consultation.