it has an impact. Because students' credit cards are free of annual fees in the first year, they are free of annual fees in the following year if they spend three times in that year. Although a policy of no card opening and no annual fee was introduced last year, the time you mentioned should not be included in this policy. First, you didn't receive the card. Maybe you didn't apply successfully. Second, the application was successful, but your school department class was not clearly written and could not be assigned to you, or someone with the same name took it away. This will affect the receipt of the card. I suggest you call 482588 as soon as possible, transfer to manual customer service, provide your ID number to check whether your credit card application is successful, whether there is an annual fee, and if there is a need to pay off how much, and find out when the card was applied for. If there is an annual fee and there is a record of late return, I personally suggest you not to cancel the card, because during the credit card activity, if you have a bad credit record, you will be in two years after this record. But if you cancel your credit card, then this record will be with you for at least 7 years, which will have a great impact on your going abroad and getting a loan ~