You can cancel the credit card just after applying for it. The credit card has just been activated. As long as there is no outstanding balance on the card and no balance in the card, you can apply for cancellation. However, logging out immediately after activation will lower the bank's evaluation of users. However, no annual fee will be charged if the credit card is not activated. If the user does not use it after activation, there is a possibility of being charged an annual fee, so canceling is a more correct approach. In addition, there are some high-end credit cards that charge an annual fee if the core card is successful. At this time, regardless of whether the user has activated the card or not, the annual fee must be repaid before the card can be canceled.

Legal basis: Article 35 of the "Bank Card Management Measures"

When a bank opens non-counter transfer business for depositors, it shall sign an agreement with the depositor to stipulate that non-counter transfer services The daily cumulative limit, number of transactions, and annual cumulative limit for transfers from over-the-counter channels to non-named bank accounts and payment accounts.

In addition to transferring funds to my peer account, if the bank handles non-counter transfer business for individuals, and the cumulative amount in a single day exceeds 50,000 yuan, it should use safe and reliable payment methods such as U-shield and other digital certificates or electronic signatures. Instruction verification method.

Article 36

The credit card supplementary card application materials accepted by the card-issuing bank must be signed by the main cardholder in person, customer service phone recording, electronic signature or cardholder Confirm with a method mutually recognized by the card-issuing bank.