Usually no annual fee is charged if the credit card is not activated. Once the credit card is activated, an annual fee will be charged. \x0d\But you can cancel the credit card. \x0d\ Take the Bank of Communications credit card cancellation method as an example: \x0d\1. Before canceling the Bank of Communications credit card, please make sure that there is no debt in the account and there is no balance; \x0d\2. If you do not plan to use it Please cancel the Bank of Communications credit card that is or has not been activated in time. Inactive Bank of Communications credit cards are also charged an annual fee. Click here to view: Bank of Communications Credit Card Annual Fees (Charging Standards). \x0d\3. When canceling a Bank of Communications credit card, call the Bank of Communications credit card customer service hotline to apply for cancellation. \x0d\4. It is completely free to cancel Bank of Communications credit card without any cancellation fee.