I helped my friend get a credit card for postal savings, but I don't want to use it. Will I be charged an annual fee if I don't activate it? In addition, in the inactive state, can it be cancelled after the second half of the year? Do a friend a favor and get a postal savings credit card. I don't want to use it If I don't activate, I won't deduct the annual fee.

In the inactive state, you can cancel the card after the second half of the year, and you can cancel it at any time if you don't use it;

Credit card not opened and cancelled:

In July 2009, the China Banking Regulatory Commission issued a regulation that the annual fee is not allowed for credit cards that have not been opened;

Just cancel the credit card directly;

There is a 45-day risk period for cancellation by card;

The card could not be used during this period, but it was not actually cancelled;

If there is an unrecorded consumer bank before applying for account cancellation, you can also charge the cardholder corresponding fees during this period;

After the 45-day risk period, the bank cannot charge the cardholder any fees.