However, not opening the card may bring other problems. Now many banks charge an annual fee even if their credit cards are not activated. If the cardholder has not been activated for many years, it is certainly impossible to think of annual fee repayment. Long-term default like this will inevitably lead to bad credit records. In addition, the failure to open a credit card after issuance may affect the re-application of bank credit cards; If you don't need to use a credit card, it is recommended to cancel.

1. The credit card cancellation method is as follows:

1, just call the bank credit card center and transfer to the manual service to cancel the credit card;

2. Cancel the credit card at the bank counter.

Second, the bank counter cancellation credit card preparation information

1, prepare your ID card;

2. Pay off the arrears;

3. Go to the bank counter to cancel the business.

Note: If you need to use a credit card after cancellation, you can reapply.

Third, the opening of a credit card is an activation card.

Usually refers to activating a credit card. After the credit card application is successful, you need to activate it before you can use the card for credit card consumption. You can open a card at a local bank outlet, call customer service or open a card through online banking. It should be noted that some banks require an annual fee even if they do not open a card. Cardholders are advised to pay attention to the annual fee of the applied credit card to avoid overdue records.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

To sum up, it is still risky not to open a credit card. I suggest you either cancel your credit card or keep it. If the credit card limit is too low and it is not easy to withdraw cash, you can cancel it directly.