Credit cards don't need to know the bank. The credit card issuance of each bank is completed by the bank's credit card center, and local branches have no right to approve credit cards. All you have to do is deposit the money. What he means by this validity period is that you can't use a credit card, but if you save money, you can still repay it without any obstacles.
I strongly advise you not to cancel your card, otherwise your bad credit will accompany you for 6 years, and now it will be deleted after 5 years. You'd better call customer service and ask him to mail a new credit card and then spend it. There should be no overdue, and your credit will gradually recover. If you cancel your card, it will be too difficult to restore your credit. Applying for a credit card from another bank will definitely not be approved.
It is very wrong to be blacklisted because the annual fee is overdue. I hope to pay more attention in the future.