first, you need to know whether your industrial and commercial card is a credit card or a debit card. Ordinary industrial and commercial cards are 1 yuan/annual fee, and credit cards are 5 yuan/annual fee. Even if you leave the card behind after handling it, you will still be charged. If you don't use it, it is recommended to cancel the card, provided that the arrears are paid, but the bank should remind you to pay it off as soon as possible, and don't owe it to anyone who owes it. . .