First of all, if a credit card is not used, there is no interest. Interest will only accrue after it is used, so there is no need to worry about interest. Secondly, as long as you apply for a credit card, the bank will charge a little money every year. This is the so-called annual fee, which will start to be charged the year after you apply for the card. Of course, some banks will stipulate that if you use your credit card to make purchases more than 3 times a year (including 3 times), you can be exempted from the annual fee for the next year. This requires you to consult the bank's card processing personnel.

If you don’t want to incur any fees, you can choose to call the 800 hotline and the manual desk will cancel the card for you. Currently, there is only one way to cancel the CCB credit card. After cancellation, there will be no fees. If If you tell the bank that you have lost your card, the bank will not waive your annual fee, and will even advise you to report the loss, which will cost you 50 yuan.

Extended information:

Credit Card, also called credit card. It is a non-cash transaction payment method and a simple credit service.

A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards are divided into credit cards and quasi-credit cards. When we say credit cards, we generally only refer to credit cards.

A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; a quasi-credit card refers to a credit card in which the cardholder deposits a certain amount of money as required. Reserve fund is a quasi-credit card that can be overdrafted within the specified credit limit when the balance in the reserve account is insufficient for payment.

Reference materials: Credit card_Baidu Encyclopedia