1. China Construction Bank's credit card is free of annual fee in the first year, and it is free of annual fee in the following year if it is swiped three times in the first year.

2. However, if you don't open the card or can't reach the number of swipes stipulated by the bank, you will be charged by the bank. 80 yuan's failure to pay his annual fee on time will definitely affect his personal credit record.

3. Therefore, unused credit cards must be cancelled within 12 months after the issuance date, and call 8008200588 customer service to apply for cancellation.

See article 2 for your situation.