But pay attention to two points.

1. If you apply for a credit card, you will check the credit information. Now that you have checked it, you might as well keep it as a backup fund, or you can use the credit card consumption repayment record to accumulate your own credit, which can be used as a reference when applying for bank loans in the future. Also, if the card of China Merchants Bank is not activated, it is estimated that it will be difficult to pass the application in the near future.

2. If you don't want it, you must call customer service to cancel it. Generally, there is no annual fee for inactive credit cards, but some unused cards do.