According to the laws of China, legally established contracts are protected by law. The parties shall fully perform their contractual obligations in accordance with the contract. I don't know what the terms of the credit card format contract you signed are. If the agreement is unfavorable to you, you can only perform the contract in good faith.

However, since the credit card contract belongs to the financial service contract of the financial industry. According to China's Consumer Protection Law, consumers have the right to choose products or services. According to this provision, combined with the principle of analogy, you have the right to request the termination of the contract. Please consult the card company for specific cancellation of the credit card contract. The termination of the contract will not have a negative impact on you.