The annual fee of credit card is actually the use fee of credit card, and the cardholder can deduct it by counting the number of times of spending by swiping the card. The number of annual fee waivers varies from bank to bank, subject to the standards published by the credit card issuing bank in your hand. High-end Platinum Card and Unlimited Card both have the requirement to exempt the consumption amount and annual fee of points, otherwise they cannot be exempted.
Banks implement an annual fee-free policy for credit cards. The general rule is that the first year is free of annual fees. Spend a few in the first year, and the annual fee will be automatically waived in the second year, and so on. If it is not activated in the second year, the bank will still charge an annual fee. Generally speaking, issuing banks have a system of reducing or exempting the annual fee generated by not opening the card, so it is generally recommended that credit card holders swipe their cards and then waive the annual fee.