This depends on the situation. The first one is a credit card that is not activated. Generally speaking, credit cards that are not activated will not incur annual fees, so if the user does not use it, he does not need to cancel it, and there will be no personal impact. However, if it is some high-end cards, annual fees may be incurred if not activated. Therefore, if the user does not use it, it is best to cancel it at the bank to avoid incurring annual fees and causing overdue payment.

The second type is a credit card that has been activated. In this case, if the number of credit card swipes stipulated by the bank is not reached, an annual fee will be charged. Therefore, if the user does not use it, he can bring his ID card and credit card to the bank to cancel it. If the user does not cancel or use it, then after the bank deducts the annual fee, the user will be overdue, which will cause personal credit stains and have a greater impact on future loans.

Note: When a user cancels a credit card, it cannot be canceled immediately after processing. Generally, after completing the cancellation procedures, there will be a period of settlement period. At this time, the user should not use the credit card again, otherwise the cancellation may be unsuccessful.