With regard to the annual fee for credit cards, it is important to understand that not all inactive credit cards will be charged an annual fee. In fact, the bank is obliged to abide by the regulations before the cardholder activates the card, that is, it is not allowed to charge without reason. However, the credit card policies of different banks are different, and the annual fee rules are not uniform.

some banks' credit cards offer annual fee exemption for the first year. For example, the first time you use them, you need to spend a certain number of times or spend a certain amount to avoid the annual fee for the next year. For example, ICBC's credit card requires cardholders to spend at least 5 times or more than 5, yuan in the first year before they can be exempted from the annual fee; However, CITIC Bank stipulates that in the first year, it is required to complete a credit card swipe in the first month after issuing the card, so as to obtain the qualification of free annual fee.

it is worth noting that although credit cards usually charge a high annual fee, not all credit cards do. Most bank cards, including debit cards, usually charge an annual fee, which is usually an annual 1 yuan. However, some special accounts, such as payroll and provident fund accounts, may be exempt from annual fees. In addition, some joint-stock banks will also provide annual fee-free policies, and the specific conditions need to be inquired about the specific provisions or terms of the agreement of each bank.

generally speaking, although the annual fee will not be charged if the credit card is not activated, it is necessary to understand and abide by the annual fee policies of banks to avoid unnecessary fees. Therefore, when applying for a credit card, remember to read the terms and conditions of the bank carefully to ensure that you know your rights clearly.