no annual fee will be charged, and it will not be charged as long as it is not activated after the credit card is changed. In this case, the credit card has not been used normally, and of course there will be no annual fee. Therefore, there is no annual fee if the credit card is not activated after card replacement.

However, not all credit cards will not be charged an annual fee if they are not activated, because some cards are special users. Even if they are not activated, it is very likely that they will be charged an annual fee after changing their cards. So as long as it is an ordinary credit card, there will be no annual fee if it is not activated.