Hello, there is no annual fee for an inactive general credit card. However, some banks have high-end credit cards, such as platinum cards. Because of the high production cost, they have to charge an annual fee even if they are not used. The credit card is not activated and there is no annual fee, but it will affect personal credit. Generally, as long as you use the credit card for 5 times, the annual fee is free, so as long as you can afford the credit card, you can repay it within the repayment period.