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The credit card of China Everbright Bank has been useless for three years. Is there an annual fee without cancellation?
If there is an annual fee, you might as well cancel it if you don't use it.

Telephone banking cancellation:

Credit cards can be cancelled by telephone banking. If the credit card can only be cancelled by telephone on the premise of cancellation, call the corresponding bank customer, enter the card number and information according to the prompt, and cancel the account.

Bank counter cancellation:

(1) Carry valid certificates, such as ID cards and credit cards.

(2) Get the reservation number from the bank and queue up.

(3) Explain to the service staff that you want to cancel the account, hand over the credit card to the bank staff and fill in the relevant application.

(4) Credit card cancellation is completed.

Precautions:

If the credit card is lost, you need to reissue a credit card first, then cancel the account, and the card fee is required to reissue the card;

Credit card cancellation must take out the balance on the card to ensure that there is no debt on the card.