First of all, if you don't use a credit card, there is no interest, only after you use it, so you don't have to worry about the interest. Secondly, as long as you have a credit card, the bank will collect a little money every year, which is the so-called annual fee. Of course, some banks will stipulate that if you use the credit card for more than three times a year (including three times), you can waive the annual fee for the following year.

If you don't want to incur any expenses, you can choose to call the 8 telephone manual desk to cancel your card manually. At present, there is only one way to cancel CCB's credit card. After cancellation, there will be no fees. If you tell your bank card that you have lost it, the bank will not waive your annual fee, and will advise you to report the loss, which will cost 5 yuan.

Extended information:

Credit Card, also called debit card. It is a non-cash transaction payment method and a simple credit service.

a credit card is a credit certificate issued by a commercial bank or a credit card company to a qualified consumer. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

Credit cards are divided into credit cards and quasi-credit cards. By credit cards, we generally refer to credit cards only.

a credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit.

Reference: Credit Card _ Baidu Encyclopedia