You can talk to customer service and tell them to waive your annual fee. You can just say that the agent didn't make it clear. Anyway, just think about the reasons.

BOC's credit cards are particularly rubbish. China Merchants Bank is the best. If you don't believe me, look for "Bank of China credit card difference" on the Internet, a lot of content.

if they can't help it, you have to pay, otherwise it will really affect your credit. Loans are really not available in the future. ,