Conclusion: CITIC Bank credit cards do not charge annual fees when they are not activated, and there are no strict regulations on activation time. Users can activate at any time during the validity period. However, if the card expires and is not activated, the card will be canceled and invalidated. Regarding the use of credit cards, CITIC Bank encourages consumers to develop good consumption habits, use credit limits rationally, and emphasizes the importance of repaying loans on time. For users who upgrade to platinum cards, the annual fee will be different. Even if the card is not opened, it will be deducted after the upgrade and cannot be offset with points. In general, CITIC Bank credit cards are mainly user-friendly, but while enjoying the convenience, you also need to pay attention to the relevant usage regulations and responsibilities.