After cancellation, you will get a refund, but a handling fee will be charged, and then you will deposit it into your designated debit card.

I recommend the best way for you: reapply for a new card, preferably a different series from the one you are using now, and then call to sell the card you can't find when you get the new card. Then you can use a new card if you want to continue using it. If you don't want to continue to use it, you can use the new card to buy things and then cancel the new card.

So you don't have to lose a penny. There is no annual fee for using credit cards.