Hello, generally when you apply for a credit card, the credit card department will send you an M card along with it. The account management fee for all-in-one card M cards (including DS cross-selling M magnetic stripe cards) is unified across the bank at 3 yuan/month. If it is not activated, the account management fee will not be charged and will be charged starting from the month after activation. (For example, if the card is opened in January and activated in March, no account management fees will be incurred from January to March, and account management fees will be charged starting from April.) Cardholders (under the same customer number) daily average of various card discounts for the month If the fully discounted RMB assets exceed 1,000 yuan (inclusive), the account management fee will be waived. Fee preferential policy 1. In the first three months of card use, online banking/mobile banking/Pad bank transfer fees are free. Effective the day after account opening (increased in 20150123) 2. Three months before the card is opened and used, the first two domestic ATM withdrawal fees per month will be reduced or exempted, including non-local deposit and redemption service fees and ATM inter-bank withdrawal (same city/non-local) service fees. 3. From the fourth month onwards, if the cardholder (under the same customer number) maintains the average daily assets of all types of cards above 1,000 yuan (inclusive) in the previous month, he or she can also enjoy the above two fee discounts. m After the card is activated, you need to log in to the credit card online banking and manually activate the automatic repayment function with the credit card before it is bound to the credit card. This card is a savings card and requires a deposit before consumption can be made.