Bank of Communications credit cards generally do not incur fees if they are not activated.

If a Bank of Communications credit card is activated, it will incur fees even if it is not used. Bank of Communications credit cards generally have an annual fee after activation. The annual fee is usually waived in the first year, but it will be charged from the second year onwards. Annual fee, even if the cardholder does not use the credit card limit for consumption, the bank will deduct the annual fee of the credit card.

If the relevant user has applied for a Bank of Communications credit card and does not want to use it, he or she can cancel it.