But you need to know:

1. At present, most banks have preferential policies of swiping their cards three times/five times/six times in the first year and exempting them from the annual fee in the next year.

2. However, if the card is not opened or the number of swipes specified by the bank is not reached, the bank will charge an annual fee of about 100 yuan. If you don't repay on time, it will definitely affect your personal credit record.

3. Therefore, unused credit cards must be cancelled within 12 months after the issuance date. Call the customer service phone on the back of the credit card to apply for cancellation.