As the cardholder of Shang Hui Bank's credit card, you should know that if you open the bank's credit card and don't use it, it will not be automatically cancelled by Shang Hui Bank. Not only that, you have to pay the annual credit card fee.

If the bank's credit card holders do not need the credit card or do not want the bank's credit card, they can choose to cancel the card by themselves (call customer service or go to the counter by themselves). But you need to close your account before canceling your card.