Credit cards generally charge an annual fee when they don't spend money. Most of the annual fees of credit cards are reduced by the number of times they are swiped. If the credit card is not used all the time, the annual fee will not be reduced enough, so the user must pay this part of the money. Therefore, in the case of not using the credit card, the user had better choose to cancel it.

when canceling a credit card, you can choose to cancel the card or cancel the account. Cancelling the card means canceling the credit card itself, and you can apply for a new credit card later without submitting materials. Closing an account is to cancel all the credit cards and personal information of the user in this bank, and then you must resubmit the materials to obtain the credit card.

you can call directly to apply for cancellation of credit card, but it is best to pay off all the arrears before cancellation, and ensure that there is no overpayment. After submitting the cancellation application, users cannot use the credit card for consumption, otherwise the cancellation will fail, and you need to call 45 days after the cancellation submission to confirm whether the cancellation is successful.

after applying for a credit card, it is best for users to use it frequently. When using it, they can enjoy an interest-free period, during which they can manage their finances and alleviate their urgent need for money. However, don't use it too much when spending by credit card to avoid the situation that you can't repay on time in the later period.