hello, the credit card is not activated, and there is no annual fee. At the same time, if the credit card expires, it will be automatically deleted, which will not affect the credit of the credit card.

Credit card cancellation method:

1. Before canceling the credit card, please make sure that there is no debt in the account and there is no balance;

2. when canceling the credit card, call the customer service phone of the credit card to apply for cancellation.

3. It is completely free to cancel the credit card, and there is no cancellation fee.

if you have any other questions, I suggest you call the customer service staff of the bank, hoping to help you.