If the credit card does not pay the annual fee, it will be considered overdue. Once overdue, it will produce overdue records, which will affect personal credit information. If the annual fee is not paid, the credit card may be frozen, and it will be more difficult to apply for a loan or credit card from the bank in the future.

If you are blacklisted by the bank for not paying the annual fee, it is not worth it, and usually you can avoid the annual fee by swiping your card several times within the specified time. If you don't want to pay the annual fee, you can avoid the annual fee by swiping your card.

How much is the annual credit card fee?

The annual fee of credit card means that the cardholder needs to pay a certain fee to the bank every year in order to obtain the right to use the credit card. Generally speaking, the annual fee of a credit card ranges from tens of yuan to several thousand yuan, depending on the type, amount and issuing bank of the credit card. In addition, different banks have different preferential policies and charging methods. For example, some banks can waive the annual fee when using credit cards for the first time, or offer special discounts for high-spending users.