If you really don't need a credit card, don't use it. Even if the application is compulsory, you can cancel the account after checking the card. It's up to you.

In addition, if you don't open the card after getting it, there will be no annual fee in the first year, and the fee will be charged from the second year. If you don't use it all the time, your credit history will be affected.

1. Most of the credit cards issued by the issuing bank are directly exempt from the annual fee for the first year, and the annual fee for the next year is exempted after being activated and swiped enough times.

If you decide not to use it, cancel this card as soon as possible. If the annual fee has been generated and cannot be cancelled, you need to activate and apply to the customer service for reducing the annual fee to cancel the card.

3. The suspension of the credit card itself will not affect the personal credit record, but it will often generate an annual fee. Arrears of annual fees will cause bad credit records, which cannot be revoked and can only be overwritten in the system after 24 months of arrears settlement. Bad records affect personal loans and applications for other bank credit cards.