If you don't want to use your credit card, you can consider canceling it. Your credit card may not be used for a long time and the annual fee will be charged, which will lead to a reminder message. Please contact the bank credit card customer service to negotiate the payment.

For the annual fee-free cards, the security risks of credit cards that have not been used for a long time will increase, because in sleep card, cardholders are likely to lose their cards due to negligence in management. Once the card is lost, it is very likely that criminals will steal the card information and forge fake cards to steal it;

If a credit card with an annual fee is not used for a long time, it may owe the annual fee to the bank, which will also result in a late payment fee and affect the personal credit record. Therefore, the unused credit card should be cancelled in time.

Extended information

How to cancel the credit card:

1. Call the customer service hotline. This is also the most commonly used cancellation method. In the bank customer service hotline printed on credit cards, call the manual customer service to apply for cancellation. When canceling, there can be no arrears or overpayments in the credit card, otherwise it will not be cancelled. When canceling, the customer service will ask you some questions such as the reasons for cancellation, so be tough.

2. cancellation of outlets. Apply for cancellation at the bank counter with my ID card and credit card.

after the cancellation of the credit card, please cut off the magnetic stripe and chip of the card and handle it properly.

Reference: Baidu Encyclopedia _ account cancellation.