After the Bank of Communications' credit card is activated and useless, it will be cancelled and no annual fee will be charged. There is no annual fee for the first year of credit card opening.

Bank credit card account cancellation process:

1. Call the bank's credit card service hotline, and the customer service staff will inform the customer of the credit card status;

2. After 45 days of applying for account cancellation, if the customer's credit card has no debt or balance, the bank customer service staff will cancel the credit card account;

3. If the credit card still has arrears to repay, it can be cancelled;

If you still have the balance, you can return it to the branch of the bank.

Recovery after cancellation of bank credit card;

1, if the card is cancelled, the account can be restored. If there is no account cancellation, the customer service staff can restore the card as required and check the information when opening the card.

2. If the card is cancelled and the account is cancelled, it cannot be restored. If the cardholder cancels the card and goes through the cancellation procedures, the credit card cannot be resumed.