For branch new customer applications or online new customer applications, the card is still under review. The author can try to contact the customer service of the other party to see if the application can be canceled. When actually applying, if you apply at an outlet, the relevant annual fee will be clearly stated in the charging authorization statement. One of the UnionPay versions has an annual fee of 580 yuan/card/year. If it is not activated, a fixed rigid annual fee will be charged. There is no annual fee discount for swiping the card. . There are also eye-catching reminders in Important Tips for Online Application. The UnionPay version has special benefits, such as the "green channel for medical treatment", which is a very good benefit. It provides unlimited free appointment services for expert outpatient clinics in tertiary hospitals in first-tier cities across the country throughout the year. The poster may wish to think about it again.