If the issuing bank of the credit card has the relevant policy of annual fee reduction and exemption, users can offset the annual fee by swiping the card or exchanging points for annual fees. In this case, the annual fee may not be paid. If the annual fee of a credit card is rigid, it cannot be reduced in any case, and the user must pay the fee. If you don't pay the annual fee, the credit card will be overdue, and the overdue record will be directly uploaded to the credit information.

Of course, some credit cards are free of annual fees for life. In this case, the user does not need to consider the annual fee, and even if it is not used, it will not generate an annual fee.