The CBRC stipulates that "before the cardholder activates the credit card, the banking financial institution shall not deduct any fees. Unless the cardholder authorizes the banking financial institution to deduct money in writing, telephone recording by the customer service center or electronic signature. " In other words, if the credit card is not activated, there is no annual fee.

However, the annual fee for platinum card of credit card is slightly different. The bank clearly stipulates that an annual fee will be charged after the platinum card is issued, whether it is activated or not. In addition, there are some special credit cards that will generate annual fees if they are not activated, such as high-end cards, or special cards such as mini cards and unlimited cards. If the annual fee is clearly stipulated when the card is opened, it means that the cardholder authorizes the bank to collect the annual fee in writing.

Extended data:

Generally, credit cards are sent by registered mail. If the applicant requests express delivery, the fee will be directly charged to the credit card bill. So another cost of not opening the card is to send the card. At present, the main ways to send credit cards are surface mail, registered mail and express delivery. Cardholders can choose to send credit cards when issuing cards.

Generally speaking, ordinary mail and registered mail are free, while express delivery is around 20 yuan. In order to get the card faster, some cardholders will choose express delivery or express delivery when sending the card, and there is no need to pay any fees when receiving the card. Many people think that the bank is paying the bill, but it is not, because even if you don't open a credit card, this fee will be directly charged to your credit card bill.

According to the credit card staff, "whether the credit card is opened or not, bills will be generated." Opening a card is just a protective measure, but your account already exists, and the cost of entering the account is a normal process. "

Therefore, if the credit card is not ready to be activated, it is better to cancel it. There are two ways to cancel a credit card:

1. calling card: cardholders can call customer service to apply;

2. Outlet sales: Some banks allow cardholders to bring their ID cards and credit cards to local outlets to sell credit cards. After completing the application form, the bank will submit a copy of the cardholder's ID card and the completed application form to the head office. After a period of time, the cardholder can call to confirm whether his credit card has been cancelled.