1. The card can be canceled even if it is not activated\x0d\ If you want to cancel a credit card that is not activated, do you need to activate it first before canceling the card, or can you cancel the card directly? According to the editor, although the credit card has not been activated, the bank will not automatically cancel it. Inactive credit cards can be canceled directly without activating them first. My friend Xiao Zhang had such an experience: he just applied for a Bank of China credit card and lost it before he could use it. At this time, he chose to cancel the card directly without activating it. \x0d\ 2. There will be no annual fee if it is not activated \x0d\ The editor learned through the Bank of China Credit Customer Service that if the Bank of China credit card is not activated, there will be no annual fee. Once activated, the annual fee will be waived in the first year, and the consumption will reach The standard is to waive the annual fee for the following year, but the specific standards vary by card. Therefore, if the card is activated but you hardly use it, you should cancel it as soon as possible, otherwise you will not only have to pay additional fees, but it will also seriously affect your personal credit record. \x0d\ 3. Two ways to teach you how to cancel your card easily\x0d\ There are two commonly used ways to cancel your card: canceling your card at the counter and canceling your card over the phone. Cardholders can choose any branch of the Bank of China that is closer to them and ask staff to cancel the card at the counter. However, finding the branch and queuing up is indeed a waste of time, so you might as well try calling to cancel the card. , just call the customer service hotline of Bank of China Credit Card Center and be transferred directly to manual service, which can be done in minutes.