unused credit cards will not be automatically cancelled, and the annual fee required by the credit card will be deducted during the validity period. \xd\ At present, there are two channels for cancellation: through telephone banking, enter the cardholder's relevant information, and the bank will cancel within a certain working day; Fill in the credit card cancellation application, go to the bank counter and cancel it in time. \xd\ Credit cards have overdraft function, and the information of each credit card account will be backed up in China People's Bank, even if the account is cancelled, its original information will be saved. The cancellation of a credit card account does not mean that the account disappears, but the account still exists. \xd\ Therefore, after the credit card is cancelled, the card and magnetic stripe must be cut. If you lose your credit card, you must report it to the bank at the first time. Only by effectively controlling the risk can you reduce the loss.