No, before the cardholder activates the credit card, the bank may not charge an annual fee, but it will handle the annual fee rules of various credit cards of different banks.

Credit card agents always waive the annual fee in the first year and the annual fee in the second year when the card is up to a certain standard, but not all cards are like this. For example, ICBC's credit card does not charge an annual fee in the first year, but it needs to be swiped five times or spend more than 5,000 yuan to avoid the annual fee for that year; According to the regulations of China CITIC Bank, the annual fee for the first year can only be waived if you swipe your card once in the first month after issuing the card.

Extended data:

Most bank cards, including savings cards (debit cards) and credit cards, charge an annual fee, and a specified amount of fees are deducted from the corresponding accounts every year, which is called annual fee. Usually, the annual fee of credit cards is high, and different types of credit cards also have different annual fees. You need to check the relevant bank regulations or terms of the agreement. For some special customers or certain conditions, the bank may also waive the annual fee.

The annual fee for ordinary debit cards is generally 10 yuan/year, and some cards, such as salary cards and provident fund accounts, are exempt from annual fees. In addition, there are many joint-stock banks that are free.

Is there an annual fee for not activating the credit card?

Will have an impact, annual fees and personal credit will be affected.

If you really don't want some credit cards, it's simple. Call the bank credit card hotline and cancel this card. Remember to cut off the card after cancellation to prevent it from being stolen.

Be sure to apply for a credit card according to your own needs. Don't blindly apply for a credit card because of the lure of salesmen or some intermediaries. When applying for a credit card, you must choose a bank outlet or a third-party institution authorized by the bank.

First, the annual fee is difficult to collect.

Under normal circumstances, there is no annual fee for banks that have not activated the gold card, but whether you activate the credit card or not, the annual fee for the platinum card will be charged correctly. Therefore, don't take it for granted that there will be no annual fee for applying for credit card deactivation. Moreover, although most banks stipulate that inactive credit cards do not charge an annual fee in the first year, they will charge an annual fee in the second year. The expenses incurred by an inactive credit card will be credited to the cardholder's account in the form of credit card arrears. Failure to repay credit cards on time will generate high interest and liquidated damages, and will also affect personal credit information.

Second, personal credit is affected.

After you apply for a credit card from the bank, the bank will check your personal credit information, and this record will be kept in your credit information system. If you apply for a credit card too much without using the record, the bank will think that you are suspected of maliciously handling the card. Moreover, the total number of cards and the total amount of credit you hold will change. When you really need a credit card, it is easy to be rejected by the bank.

Credit card applications, whether activated or not, will be recorded in the central bank's personal credit information center. If there are too many credit cards in your account, the bank will consider your debt ratio and repayment ability when you apply for a card next time, which will affect whether the bank approves your credit card application and credit card limit. Moreover, if you apply for a credit card from the same bank, then the bank is likely to reject your application. Therefore, if the credit card you applied for is not activated, it will affect the future card opening.

Third, it causes information leakage.

If there is someone with ulterior motives around you, after he knows your personal identity information, he will probably activate it under a pseudonym, because it is very simple to activate a credit card now, just know your ID number and hold your mobile phone for one minute.

According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.

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 standards for public services were formally implemented, and the English names of credit cards were specified.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

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.

Will there be an annual fee for inactive credit cards?

If the credit card is not activated, no annual fee will be incurred. The CBRC stipulates that credit cards cannot be recharged without the activation of the cardholder. However, the "Regulations" also stipulates that under special circumstances, cardholders are authorized to charge fees in written form, customer service telephone recording, electronic signature, and methods recognized by both cardholders and card-issuing banks, except for the creditor-debtor relationship formed when changing cards.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company 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.

According to different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card.

This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

Gold card.

Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

The credit card is not activated, so the introduction of charging annual fee is over.