There will be no interest if the credit card is not used, but the bank will charge an annual fee. The annual fee generated is included in the bill. If you don't repay on time, the bank will regard you as unpaid, which will affect your personal credit.

Because the bank bill is repaid monthly, if you don't repay it on time, CCB will show that you have not repaid it every month before you pay off the annual fee, and will also report it to the personal credit information system of the People's Bank of China. Once the credit information system fails to record, it will affect your loan to any financial institution in the next two years.

If you don't want to generate any expenses, cancel it, and there will be no expenses in the future. If you tell me that your bank card is lost, the bank will not waive your annual fee and will advise you to report the loss. After opening the card, swipe it three times a year, and there will be no annual fee next year.

Extended data:

Credit card cancellation method

1. Make sure that the account has no debt and no balance before canceling the credit card, otherwise the debt record cannot be eliminated and the balance will be damaged;

2. To cancel the credit card, you can call the customer service number of the credit card issuer and then apply for cancellation.

It is completely free to cancel the credit card.

References:

Baidu encyclopedia-account cancellation