If your bank credit card has not been activated and you are not using the plan, there is really no need to cancel it immediately. Inactive credit cards will not incur annual fees. Once the validity period expires, they can no longer be used. At this time, you may consider canceling to avoid possible subsequent fees. Of course, if you are sure to cancel, here are the steps:

First, make sure there is no outstanding balance in the credit card account and the balance is cleared. Then, apply for cancellation by calling the credit card customer service number. This process is free and there are no cancellation fees.

It should be noted that closing a credit card account is a necessary step to officially stop using the credit card. If you do not cancel, the bank may charge an annual fee. You can apply to cancel your account at any time, whether the card is not overdrawn or has expired and the balance is zero. If the card has not expired, you usually need to apply first, then collect the card at a designated bank outlet, and wait for a period of time (usually 30 days) before officially canceling the account.

If you need someone else to do it for you, you need to provide a power of attorney and the original valid ID of the agent and you. During the account cancellation process, possible card-pressed transactions and overseas consumption clearing should be taken into consideration to ensure normal processing by the bank.

The above information comes from the credit card related introduction on Baidu Encyclopedia.