If the credit card is not used, an annual fee may be deducted. Because when you apply for a credit card, your Agricultural Bank of China credit card account has already been created, and the bank has to bear some data processing, information maintenance and other costs. These costs do not exist because you have not used it. Therefore, banks charge annual credit card fees "out of cost" and not based on whether you have used it.

Be sure to pay attention if your credit card is not used for a long time. When you apply for a credit card, be sure to understand it clearly in advance and don’t be misled by credit card salesmen. Blindly applying for a card may cause you to lose funds and affect your credit. Therefore, when you apply for a card and find that you do not need the card, you should deal with it in time, and it is best to cancel the account in time.

Extended content:

Credit card cancellation methods:

1. Card cancellation by phone: Cardholders can call customer service to apply;

2. Cancellation of cards at branches: Some banks require cardholders to bring their ID cards and credit cards to any local branch to cancel their cards. After filling in the account cancellation application form, the bank will report a copy of the cardholder's ID card and the filled account cancellation application form to the head office. After a period of time, the cardholder can call to verify whether his or her credit card has been cancelled;

3. Cancel the card at a designated location: There are also a few banks that require you to cancel your credit card at a designated location.

Reference: Credit Card