The annual fee will still be charged even after the credit card is frozen.

After the cancellation takes effect, you must promptly go to the bank branch to complete the account cancellation procedures and withdraw the remaining amount after repayment. If you forget to withdraw the balance from the card after canceling the card, part of the money in your card will be deducted to pay the bank's account management fee. Only a few banks will provide customers with free account management services for a few months after deregistration takes effect.

For a card with a bad credit record, even if it is paid off once and canceled immediately, the bad credit record of this card cannot be canceled. Banks for small loans usually look at the credit history of the last 3 to 6 months. Therefore, if you want to go "cleaner", it is recommended to carefully use this card for half a year and then cancel it.