After the credit card is frozen, according to the bank's regulations, if there is an annual fee, it still needs to be paid. However, you can try to negotiate with the bank and apply for a reduction or refund of the annual fee. In addition, in order to maintain a good personal credit record, it is recommended to communicate with the bank in a timely manner and pay various fees on time.

If you want to have a deeper understanding of your credit situation, you can try to query your own Baixin credit data. This data comes from more than 2,000 online loan and UnionPay platforms across the country, and you can query your own big data. and credit status, including important data such as Internet black index scores, blacklist status, online loan application records, credit card and online loan credit limit estimates, etc. To query, you only need to search for "Changbai Data", click Query, and enter the information to query.