Is it an annual fee? CITIC's credit card must be swiped once within 30 days after issuance to avoid the annual fee for the first year. You haven't used it. It's probably charged. The annual fee is deducted directly from the card in the form of consumption. Non-repayment will affect personal credit.

Even if you cancel, you have to pay back the money before you can cancel.

CITIC's system is unreasonable, but how many times do other banks have to spend their credit cards 1 year to get rid of the annual fee? They can't stop using them, at least they must complete the minimum annual fee exemption.

Look at other people's experience, and you may be exempted from handling fees:

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