If you don't overdraw, you don't have to pay back the money, but if you don't use it for a long time, you should apply for cancellation in time to avoid affecting your personal credit because you owe an annual fee.

If the credit card is not opened, you can cancel it. Generally, it will not generate any fees, nor will it affect personal credit (except for some types of cards, such as some platinum cards, which will be charged even if they are not opened).

Credit card cancellation method:

1. Telephone card cancellation: the cardholder can call customer service to apply;

2. Selling cards at outlets: Some banks allow cardholders to bring their ID cards and credit cards to any local outlets to sell cards. After completing the application form for account cancellation, the bank will report a copy of the cardholder's ID card and the completed application form for account cancellation to the head office. After a period of time, the cardholder can call to check whether his credit card has been cancelled.

3. Selling cards at designated places: A few banks need to sell cards at designated places.