hello, it doesn't matter much if the credit card is not used, and account management fees may be incurred, so it needs to be repaid on time. The annual fee of China Merchants Bank's credit card is ￥1 yuan/year for ordinary cards and ￥3 yuan/year for gold cards. The annual fee is charged once a year. If two cards or supplementary cards are applied at the same time, the annual fee for the second card or supplementary card is 1/2 of the first card. The annual fee is calculated from the issuance date of your card (the validity period under the credit card number, and the previous date is the issuance date), which is not a natural year.

if you successfully apply for China merchants bank credit card, the annual fee for the first year will be reduced in advance by China merchants bank credit card or partners, and the annual fee for the second year will be reduced if you swipe your card for six times (no limit on the amount) within the whole year (from the card issuance date, non-natural year), and the annual fee for the third year will be reduced if you swipe your card for six times in the second year. The annual fee of a single card can be reduced or exempted for the next year if it is spent for 6 times (the amount and form are not limited). And this offer will be valid for a long time before the change notice of the new annual fee preferential policy. The number of online consumption can also be accumulated in 6 times of annual fee reduction for the following year.

(except for unlimited card/platinum card/business card /ANA co-branded card /VISA MINI card /MSN

MINI card /VOGUE titanium card /HELLOKITTY fan gold card /Miss Kitty perfume credit card)

If you have any questions, you can add QQ customer service 4825555 for detailed consultation.