But the credit card situation of some banks is quite special. Whether activated or not, as long as the bank issues a card, the annual fee will be calculated and automatically deducted. Only when the credit card is activated and the number of credit card purchases required by the bank can the annual fee be exempted.
The current Puka is generally not activated and will not generate an annual fee, but it may not work if you apply before. Suggest calling customer service to ask!