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Credit cards are useless. Why do you have to return it?
Generally speaking, if the card is not activated, there is no charge. However, if the card is activated after processing, but the purchase quantity or amount is not reached after activation, the bank will charge the card an annual fee, which will be added to the bill and must be repaid.

Usually, banks will have some regulations to exempt annual fees, such as the number of times of consumption or the amount of consumption reaching the standard. If users want to know the specific regulations, they need to consult the issuing bank. In addition, like some high-end credit cards, the annual fee is rigid, not free.

Generally speaking, the annual fee is the reason for not using credit card to repay. If it is not a high-end credit card, you can waive the annual fee for several purchases. In addition, if the credit card is not used for a long time after application, the limit may be reduced. It depends on what the user wants.

Credit cards are useless. Is there any interest?

Whether the credit card needs interest depends on the situation. If the repayment method is the minimum repayment amount during the period of using the credit card, but the repayment has not been completed after using the credit card, then the interest on the minimum repayment amount will still be charged, because the remaining unpaid balance will no longer enjoy the interest-free period after choosing the minimum repayment amount. Calculate interest directly from the date of consumption record, with the full interest rate of 50%; If the credit card is overdue, interest will continue to accumulate even if the credit card is not used.