After upgrading CITIC Bank's regular card to a platinum card, if the annual fee of 2,000 yuan is deducted when it is not activated, it can actually be solved. The first step is to contact your bank's customer service to confirm the basis for charging this fee. Under normal circumstances, if the confirmation is correct and the deduction regulations are not met, the bank will refund the fee within 3-5 working days. You can then choose to reactivate the card, but be aware that the Platinum Card may be suspended by the bank as a result.

According to the "Notice on Further Regulating Credit Card Business" issued by the China Banking Regulatory Commission, banks should not charge fees before the cardholder activates the credit card unless explicitly authorized by the cardholder in writing, telephone recording or electronic signature. . Therefore, if the deduction is due to bank operation errors, consumers have the right to request a refund and protection of their rights.

In addition, when it comes to the issuance of student credit cards, banks should follow the principle of prudence and are not allowed to directly issue credit cards to students under the age of 18, unless they are supplementary cards. For students who are over 18 years old but have no stable income, the bank needs to confirm the reliability and repayment ability of the second repayment source. Before issuing a credit card, the bank must clarify the consent of the second source of repayment and inform the parents or administrator of the relevant circumstances.

In general, if you encounter the situation of being deducted before activation, you should actively communicate with the bank to ensure that your rights and interests are protected. At the same time, understanding the rules for issuing and using credit cards can help avoid similar problems from happening.