1. Call the card-issuing bank’s customer service hotline to cancel: You can directly call the card-issuing bank’s customer service hotline and transfer the manual customer service application to cancel the card. After customer service confirms that the personal information is correct and there is no outstanding balance on the card, the card will be canceled for you.

2. Go to the bank counter to cancel: Users only need to bring their personal ID cards and unactivated credit cards to the bank branch counter to find staff to apply for cancellation.

Generally speaking, unactivated credit cards will not incur annual fees, but some high-end credit cards issued by banks will have annual fees even if they are not activated.