Take China Merchants Bank's credit card as an example. Most of our credit cards don't charge an annual fee if they are not opened, and a few cards will charge a certain fee because of their high cost. In addition, if the applied credit card is not opened, the card will automatically become invalid after expiration, and the Bank will not renew the card for the customer. If you don't need a credit card, you can also call our credit card customer service hotline to cancel it for you. Cancellation is free.