Hello, most of our credit cards don't charge an annual fee if they are not opened, and a few cards will charge a certain fee because of the high cost. What kind of credit card are you? In addition, if the applied credit card is not opened, the card will automatically become invalid after expiration, and the Bank will not renew the card for the customer. If you don't need a credit card, you can also call our credit card customer service hotline at 4008205555 and the transfer service specialist will cancel it for you. Cancellation is free.