Longka credit card has an annual fee. According to the inquiry of China Construction Bank official website, Longka Digital shows that the annual fee of credit card is 160 yuan/card, which will be charged on the first billing day after card opening, annually, in advance according to the year of card holding, and will not be refunded after collection. Credit card is an electronic payment card issued by commercial banks or other financial institutions, which has all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. It is also a non-cash transaction payment method, a simple credit service, which can be repaid after consumption and enjoy an interest-free period. This is a financial management method. Credit card is a special kind of plastic card with the name of the issuer, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Cardholders can withdraw cash and buy goods. At a designated bank, store, etc. Or overdraw a small amount of cash.