Whether Guangfa Credit Card is charged for deactivation depends on whether the credit card is cancelled.

If the user just stops using it and does not cancel it, then an annual fee is required. If the credit card has been cancelled, there will be no charge.

If users do not use credit cards, it is recommended to cancel them in advance to avoid unnecessary consumption caused by high annual fees. Before cancellation, the user needs to pay off all the debts of the credit card and ensure that there is no other binding business.