1, China Bank Credit Card, the annual fee is 200 yuan, but generally there is no need to pay the annual fee, because you can get rid of the annual fee of the current credit card if you spend unlimited amount five times a year.
2. Paying utilities is a kind of consumption. It's best to spend money by credit card, so that you can still have points on your credit card and increase the limit.
You don't have to pay the annual fee as long as you withhold it for 5 times.
In fact, if you have a credit card, you should spend more on it, otherwise it would be a pity for you to pay the utilities, hehe!
I hope I can help you. You can ask questions if you don't understand, and I will answer them one by one.