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Is there an annual fee if Ping An Credit Card is not activated?
If the credit card of Ping An Bank is not activated, there is no need to charge an annual fee.

According to the relevant regulations, banks can't charge annual credit card fees without the cardholder's signature authorization. Inactive credit cards cannot be used and will not incur any fees. Cardholders can activate their credit cards at any time during the validity period. After the expiration date, the credit card will automatically expire.