1. Don’t activate it if you don’t need it. This is much better than activating it if you don’t need it.

2. But even if you have not activated it, even if the bank does not charge a fee for activating the card, the bank still has your information and is ready for you to activate it at any time. You don't feel at ease either. If both parties are uncomfortable, why bother.

3. The safest way is to call Bank of Communications and cancel the card. Then cut the magnetic strip part.

4. But you don’t have to worry too much. In my more than ten years of banking experience, I have never seen a credit card that charges fees before it is activated. I also watched the program you mentioned. Again, if you don’t plan to use it, get rid of it seriously. Because banks should have abandoned the model of relying on friends’ faces to complete card tasks many years ago. Banks should really stop using this approach to cause problems for customers.

5. If you don’t plan to cancel the card, use it well. Credit cards are not the devil. Generally, if you swipe three or six times a year, the annual fee will be waived (depending on the card agreement). As long as you repay before the due date of each period, your credit record will not be affected. It is much better to have a good repayment record in the credit reporting system than to have no record at all. It will be better to apply for a loan or something in the future than to have a blank credit record.

6. If you still feel that your credit card is risky but are reluctant to sell it, you can also apply to Bank of Communications to reduce the overdraft limit so that you can use it within a controllable range. This is safe and can be used when necessary.