You don’t need to cancel it. If the credit card is not activated, no annual fee will be charged. It cannot be used after the validity period. You can also apply to cancel the credit card.

Credit card cancellation method:

1. Call the customer service number to cancel the credit card

You can apply for card cancellation by calling the bank's 24-hour customer service hotline for credit cards. There must be no outstanding balance in the account when canceling the card, and to ensure the security of the account, the card must be with you when canceling the card over the phone.

2. Go to the bank counter to cancel the credit card

If the user's bank credit card is no longer used and lost, the user can only go to the bank branch to cancel the credit card. If there are new accounts payable within 45 days (inclusive) of card cancellation, you will still be responsible for it. If there is no outstanding balance or over-deposit in the account 45 days after the card is canceled, the system will automatically cancel the account without any procedures.

If the credit card you apply for is not activated, there will be no annual fee. Of course, some credit cards issued by banks will have annual fees even if they are not activated. But there is an annual fee after activation. If we don’t have a good grasp of the status of our credit card, we may not know that the credit card has expired or has entered the credit blacklist.

Extended information

If you are sure to cancel the account, you should also pay attention to the following matters when canceling the account:

1. Before canceling the card, check the card Is there any unpaid debt, is there any fraction of the balance after repayment, and is there any idle points.

2. If it is a lost credit card. To ensure safety, you should report the loss first and then apply for account cancellation.

3. Some banks will have a 45-day "clearance period" when canceling an account to ensure that there are no delayed transactions on the card before it can be cancelled.

During this "clearance period", cardholders must be careful not to use their credit cards for any transactions, otherwise the card cancellation will fail. After the "clearance period" has passed, the bank will automatically cancel the credit card for you. However, to be on the safe side, you should call the bank again for confirmation.

4. It is not recommended to close the account of credit cards with overdue records within two years.

Ifeng.com--How to deal with unused credit cards? Canceling the card does not mean canceling the account!

Baidu Encyclopedia--Cancellation