After the Bank of Communications credit card was activated, it never received a password letter and never spent it. Excuse me, did you not receive the password letter and activate it successfully? There will be no consumption in recent years. As long as there is no consumption and no overdue, there will be no expenses. If the card is activated successfully, it will be a valid card, and the annual fee will be exempted in that year. If you haven't spent five times, the annual fee for the following year is 100 yuan, which is an overdraft. No matter how much, it is a bad record, which will bring great trouble to your bank loan in the future. You must take your credit card to the bank to cancel it.