If you don't need to use it, don't cancel it, and don't use it, there will be an annual fee.

If you really don't need it, you'd better cancel it

Off-topic, those who generally have little money or are unwilling to pay interest will choose to pay in full before the final repayment date of the bill. This way, you can enjoy the interest-free period ranging from 20 days to 60 days given by the bank. In addition to this repayment method, all other repayment methods have to pay full interest. Credit card interest is a bit high, and it is compound interest.

Thank you for your questions.