No annual fee will be generated if you don't activate it, but only if you don't use it for a long time after activation.

Low quota is not a problem, the only question is whether you can repay the money in time after you spend it.

Credit cards can apply for an increase in the limit after a period of time under the normal use of cards.

Only in the first two or three months, it is always necessary to "repay" in time to restore the "available quota", and it is necessary to check how much is left in the "available quota" from time to time, otherwise it will be chaotic to brush money.

The comprehensive evaluation criteria of general banks are similar. The amount given by this bank is low, and the amount given by other banks will not be too bad.