Generally speaking, if a credit card is not activated, it will not charge an annual fee, but different banks will have different regulations. If you choose inactive when applying for a credit card, your credit card will be regarded as activated from the date of opening an account, and the corresponding annual fee will be charged according to normal procedures. For Bank of Communications, if you don't choose the activation-free option, then the ordinary card will not be activated for the first year and may not be charged for the second year. I suggest you call the bank customer service to clarify.

If you have decided not to use it, it is safer to cancel it.