Hello, if the credit card of China Merchants Bank is activated, there will be an annual fee if it is not overdrawn. The annual credit card fee of China Merchants Bank is ￥1 yuan/year for ordinary cards and ￥3 yuan/year for gold cards. The annual fee is charged once a year. If two cards or supplementary cards are applied at the same time, the annual fee for the second card or supplementary card is 1/2 of the first card. The annual fee is calculated from the issuance date of your card (the validity period under the credit card number, and the previous date is the issuance date), which is not a natural year. If you successfully apply for China Merchants Bank credit card (except unlimited card/platinum card/business card /ANA co-branded card /VISA MINI card /MSN MINI card /VOGUE titanium card /HELLOKITTY fan gold card /MISS KITTY perfume credit card), the annual fee for the first year will be reduced in advance by China Merchants Bank credit card or partners, and you will spend six times (amount, non-natural year) on a single card within one full year of your card validity (from the card issuance date). And this offer will be valid for a long time before the change notice of the new annual fee preferential policy.

the annual fee is calculated from the card issuance date (the date is displayed below the credit card number, the previous date is the issuance date, and the latter is the expiration date; If only one date is displayed, it is the expiration period). For example, the card says 7/1-7/13, which means the credit card was issued in July 21. The first year is from August 1, 21 to July 31, 211, and the annual fee collection is shown on the bill in August each year.

if you don't open a card for activation, there will be no annual fee.