Maybe. When you don't use a credit card, you may incur expenses, such as the annual credit card fee, as follows:

1. Some credit cards will be charged an annual fee if they are not activated;

2. If the credit card is not cancelled or cancelled, and the number of swipes is not enough, the bank will charge an annual fee;

There is no annual fee-free discount for the credit card itself, and it has to be returned every year.

If the credit card you hold has no rigid annual fee, there will be no fee if you don't use the credit card; If the credit card you hold has a rigid annual fee, even if the credit card is useless, you need to pay an annual fee. Under normal circumstances, banks have an annual fee-free policy, such as how much they spend a year or how many times they swipe their cards a year.

Credit card, also called debit card, is a credit certificate issued by commercial banks or credit card companies to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standard for public services was formally implemented, and the English names of credit cards were specified.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.