If you only fill out an application form and sign a name, the first thing you need to tell you is that this practice of Minsheng Bank is not in compliance. As an applicant and consumer, you have the right to ask Minsheng Bank Credit Card Center to cancel this international student card for you free of charge. According to the relevant regulations of the CBRC, there is no annual fee for not opening a card unless there is an agreement in advance. Not surprisingly, this international student card is the kind that does not open the card and does not generate an annual fee. There is no cost to cancel without opening a card.