1. If you are sure that this card will never be used, you'd better cancel the account, because in case the credit card is lost and overdrawn by others, the bank will call you, and the annual fee of the credit card is quite high, usually one or two hundred yuan. The bank stipulates that there is no annual fee for credit card spending 3-5 times a year (different banks stipulate different times, and the amount of credit card is not limited, that is, one yuan can be swiped each time). If you don't use it all the time, the annual fee will still be deducted, and the balance inside will be negative after a long time. So it is still not cost-effective.
2. If you don't want to use a credit card just because of the place of origin, you can call the credit card customer service to modify the place of origin. It's simple, just a phone call to provide information.
3. What happens if the credit card of China Bank is not used for a long time and has not been cancelled?
There is an annual fee for the credit card of China Bank. Even if not used for a long time, the annual fee will be deducted normally. And because credit cards can be overdrawn, if you don't pay the annual fee for a long time, you have to calculate the annual fee for overdraft, which will be very high for many years.
4. I also want to affect personal credit problems, which will have an impact on future credit card applications or loans (buying a car, buying a house, etc.). ), so if it is not recommended to cancel the account.