I am from China Construction Bank. Taking China Construction Bank as an example, opening a card means that after you apply for a credit card, the credit card center will send the finished card to you. The card information has already been entered in your application. At that time, you must enter the relevant information by calling the bank's customer service hotline. After verifying that your personal information is correct, you can use the card to make purchases normally. This is the card opening. Bank card charges refer to the service fees charged by banks when providing bank card use services to customers. Please note that they are during the use process. Therefore, if you do not open the card, that is to say, you do not use it, then you do not need to pay the annual fee. But each bank is different. It is recommended that you call the China Merchants Bank Credit Card Center for consultation (24-hour customer service hotline 800-820-5555 or 021-38784800). Are you satisfied with this answer?