Why don't you use a credit card? Since there is no need, what's the use of asking for a lot of quotas? So change it to 1, which means that you can only overdraw 1 yuan. If you use your credit card several times a year, you can enjoy an annual fee-free discount. Why is there a discount if you don't use it? Therefore, the annual fee 100 is deducted. You didn't pay in time after the deduction, so you have interest. This is normal. What's so depressing? In this way, your card will automatically expire when it expires, and the bank will not renew it for you. Other people's credit line is high, one is the personal financial certificate provided to the bank when applying, and the other is frequent credit card swiping. You can do this. You can choose to swipe your card or return it. Why pay an annual fee of 100 to raise an abandoned card?