When a credit card is activated and no longer used, money will generally be deducted, and the annual fee will be deducted. Credit cards generally require the cardholder to make a certain number of purchases within a year before the annual fee is waived. Therefore, if you activate the credit card and do not use it, an annual fee will be incurred.

In addition, different types of credit cards charge different annual fees. For example, for Agricultural Bank of China credit cards, the annual fee for ordinary cards is 80 yuan, and for ICBC ordinary cards, the annual fee is 50 yuan.