You don't have to cancel. If the credit card is not activated, there is no annual fee. You can't use it after the expiration date, or you can apply for cancellation of your credit card.

Credit card cancellation method:

1. Before canceling the credit card, please confirm that the account has no debt and no balance;

2. When canceling the credit card, call the customer service phone of the credit card to apply for cancellation.

It is completely free to cancel the credit card, and there is no cancellation fee.