Only some credit cards have annual fees. . . For example: China Merchants Bank, Ping An. . . (Free of annual fee in the first year, and free of annual fee for swiping the card 6 times in the second year). In other words, there is no annual fee for the first year. If you swipe your card less than 6 times in the first year, you will be charged an annual fee in the second year! ! !

Tip: If you don't open these credit cards, you will have to pay an annual fee. . . . Unless this credit card has no annual fee (Bank of Ningbo)

"Opening a card" is just a link to be taken away by others in the process of issuing a credit card! ! ! !