If the cardholder fails to pay the annual fee on time, the bank will regard it as overdue repayment, and submit this record as a negative record to the personal credit database of the People's Bank of China, and keep it for a certain period.

If the credit card is cancelled, in this case, the arrears record will still be kept for a period of time.

If the cardholder's personal credit is "defiled" due to the arrears of the annual fee, the annual fee must be paid off immediately. After paying off, don't cancel the credit card immediately, but continue to use the credit card normally for two years, so that there will be no negative record of annual fee arrears in the credit report "24-month repayment status".

The cardholder can open the SMS function and clearly know the amount and date of repayment from the SMS bill. At the same time, you can also open online banking business, and you can repay in full and on time through online transfer business without leaving home.