Unexposed credit cards can be directly destroyed without cancellation, and generally will not generate any fees, and will not affect personal credit (except for some types of cards, such as some platinum cards, which will be charged even if they are not opened).

Credit card cancellation method:

1. Telephone card cancellation: the cardholder can call customer service to apply;

2. Selling cards at outlets: Some banks let cardholders bring their ID cards and credit cards to any local outlets to sell cards. After completing the application form for account cancellation, the bank will report a copy of the cardholder's ID card and the completed application form for account cancellation to the head office. After a period of time, the cardholder can call to check whether his credit card has been cancelled.

3. Selling cards at designated places: A few banks need to sell cards at designated places.