If you apply for China Merchants Bank credit card, most credit cards will not charge an annual fee if they are not opened, and a few cards will charge a certain fee because of the high cost. In addition, if the applied credit card is not opened, the card will automatically expire after expiration, and China Merchants Bank will not renew the card for the customer. If you don't need a credit card, you can also call the transfer service specialist of China Merchants Bank's credit card customer service hotline to cancel it for you. Cancellation is free.