No need. Check the relevant public information, call the credit card customer service, enter the ID number, tell the credit card center that you don't need this card, and the intermediary won't charge you. Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.