No fees will be charged if you do not activate. Now that it's done, just use it. Many people are trying hard to do it but still can't do it. Credit cards have many benefits:

1. When you buy things with cash, you still have to pay for them in change, which is troublesome. By swiping the card, you can earn points that can be exchanged for gifts, and you also save yourself the trouble of finding change;

When you buy large items, you can directly swipe the card, eliminating the trouble of carrying large amounts of cash.

2. When buying large-amount items, you can swipe your card to buy the items home first, and then pay in installments, which reduces the pressure of one-time commitment;

3. When you need money urgently You can swipe your card first for emergencies, get things done first, and then find a way to repay. When you don't need the money now, go find someone to borrow it.

4. Especially for business people, having a credit card is equivalent to having a part of working capital. You can swipe your card to purchase goods first, and then repay the money on time without creating a bad record.

5. Accumulate a good credit record for yourself and prepare for a smooth loan from the bank when you need a loan in the future.

6. If the limit is low, cancel the card directly. If the limit is still reasonable, use it first. After half a year, you can take this credit card to another bank and apply for another one, as long as the credit record is good. , the new card limit will be higher than this one.

7. The above is my personal understanding and experience of using the card. It is not easy to type. Please give me a satisfactory answer.