If you choose an annual fee card such as the owner's card, the annual fee will be charged as soon as the card is activated from the date of issuance. The annual fee will be generated in the latest bill after activation. The cardholder can choose to cancel the account, but since the bill has been issued, it is necessary to pay off the bill before applying for account cancellation. The cancellation of the card will take effect immediately. After cancellation, the magnetic stripe should be cut and discarded to avoid risks.