If it is about to expire, it will not have any impact. If it is long before the validity period, it is best to cancel it, because if you do not consume it, the annual fee will be deducted. Generally, bank credit cards only require more than 6 purchases per year. There is no annual fee. If you don’t use it, there will be an annual fee. If you don’t care, the bank will sue you if you don’t pay back the money within a certain period of time.