No. The annual fee for ordinary credit cards is 80 yuan/year. Actually, there is nothing wrong with having a credit card. 1. How embarrassing it is if you don't have enough cash when shopping in the mall; Even if there is enough cash, the cashier will give you change. 2. If the cash in your pocket is lost in a bus or other places, you don't have to report the loss, but if your credit card is lost, just report the loss and reissue it. 3. Identity symbol, having a good credit record, making it easier to get loans in the future. 4. Don't blindly refuse the credit card. In developed countries, cash is rarely used, and small shops and taxis have POS machines, which is the embodiment of world progress. And if the consumption points are not cleared, the points can be exchanged for gifts.

If you have any questions, please use the toll-free number 8008200588 on the back of the landline or PHS. You don't have to go to the bank to cancel your card, but you can also call this number. Credit card spending 3 times is free of annual fee.