Hello, if you apply for a China Merchants Bank credit card, most of our credit cards will not charge an annual fee if they are not opened, and a few cards will charge a certain fee because of the high cost. What is your theme credit card? In addition, if the applied credit card is not opened, the card will automatically become invalid after expiration, and the Bank will not renew the card for the customer. If you don't need a credit card, you can also call our credit card customer service hotline to cancel it for you. Cancellation is free.