Once the credit card is activated, as long as there is no debt and balance in the card, you can apply for account cancellation. However, this will reduce the bank's evaluation of users. However, there is no annual fee if the credit card is not activated. If the user does not use a credit card after activation, he may be charged an annual fee, so the cancellation is correct.

In addition, some high-end credit cards will charge an annual fee after the card is successfully verified. Whether the user is activated or not, to cancel this card, the annual fee must be repaid before cancellation.