1. CCB's credit card is free of annual fee in the first year, and it is free of annual fee in the following year if it is swiped three times in the first year.

2. However, if the card is not opened or the number of swipes specified by the bank is not reached, the bank will charge an annual fee of about 100 yuan. If you don't repay on time, it will definitely affect your personal credit record.

3. Therefore, unused credit cards must be cancelled within 12 months after the issuance date.