It can be cancelled. China Bank's installment credit card shows that 0 yuan can't overdraw. If the cardholder doesn't want to use it, he can cancel it. Otherwise, after the card is opened, if the number of swipes is not met, the cardholder should be alert to the overdue annual fee. China Bank is the most internationalized and diversified bank in China. It provides customers with comprehensive financial services in Chinese mainland and more than 60 countries and regions, mainly engaged in commercial banking business: corporate finance, personal finance and financial market business.