If you haven't spent this card, this debt is caused by the annual fee and the late fee and interest generated by the annual fee. I suggest you pay it back as soon as possible, because the interest on the debt is charged at five ten thousandths every day from the bank bookkeeping date to the repayment date. If this situation has affected your personal credit history, don't cancel this card. Once you cancel your bad credit record at China People's Bank, it will continue to exist. If your card and account are in normal condition, pay off the debt first, and then continue to spend by credit card, and your personal credit record will be improved. If it is not normal, call 95588 to apply for card recovery and thawing. After normal, just charge by credit card. Generally speaking, the credit record of the People's Bank of China is a bad record caused by credit card failure to repay in time. After that, I will use the credit card to repay in time and maintain a good repayment record. Personal credit records will be updated every 24 months.