In July 2009, the China Banking Regulatory Commission issued a regulation that the annual fee is not allowed for credit cards that have not been opened;

Just cancel the credit card directly;

There is a 45-day risk period for cancellation by card;

The card could not be used during this period, but it was not actually cancelled;

If there is an unrecorded consumer bank before applying for account cancellation, you can also charge the cardholder corresponding fees during this period;

After the 45-day risk period, the bank cannot charge the cardholder any fees.