There is generally no annual fee in this case.

Unactivated credit cards generally have no annual fees. Only some special card types or platinum cards may charge annual fees. According to regulations of the China Banking Regulatory Commission, annual fees are not allowed for unactivated credit cards. However, banks may charge annual fees for some high-end cards, customized cards and other special bank cards due to higher card production costs and more value-added services.

Therefore, before applying for a credit card, it is recommended to carefully read the relevant terms and regulations to understand the annual fee of the credit card you are applying for. If the user applies for a special bank card, annual fees may be incurred even if it is not activated. You need to confirm the annual fee with the bank customer service before activating the credit card. If the user fails to pay the annual fee within the stipulated time, it will cause overdue payment and affect personal credit.