First of all, if a Bank of Communications credit card is not opened and used, annual fees will generally not be charged. Previously, the China Banking Regulatory Commission had documented requirements that unless the credit card is clearly marked when the card is issued, the issuing bank cannot An annual fee applies. However, some banks will also have other special requirements. At present, most credit cards with platinum level and above and some credit cards with special materials, such as the Industrial Bank Constellation series of credit cards, will be clearly marked on the credit card application form. An annual fee applies. In other words, a specific credit card will be charged an annual fee by the bank even if the card is not opened. Therefore, the editor reminds: If the credit card applicant does not want to open the card when applying for the card, be sure to read the instructions on the annual fee section of the credit card application form clearly. , to avoid being charged an annual fee.

Of course, the editor would like to remind you that if you do not use this card and still cancel the card, it is very bad if you keep the credit card in "sleep state" and may have a negative impact on your credit. There will be an impact and bad records will appear.

How to cancel the Bank of Communications credit card:

1. Call the Bank of Communications credit card phone number: 8009888888, transfer to manual service, and ask the customer service staff of the Bank of Communications Credit Card Center to cancel the Bank of Communications credit card. Customer service staff can handle the cancellation procedure after verifying the customer's identity. All processes can be completed over the phone without going to a Bank of Communications branch.

For some customers who have not activated their Bank of Communications credit cards, it is best to cancel them in time if they are not using them to avoid annual fees being charged for unactivated Bank of Communications credit cards. Moreover, cancellation of Bank of Communications credit cards is completely free of charge.

2. Make a request to cancel your Bank of Communications credit card. Customer service staff will handle the cancellation procedures for you after verifying your identity. All processes can be completed over the phone without going to a Bank of Communications branch.