CITIC doesn't open this kind of card. My friend has an annual fee. CITIC Bank insisted that I get a card, and then I got a magic card. I've never used it. Later, CITIC Credit Card Center called to ask me if I didn't receive my card. . .

Later, he said that he didn't need to charge an annual fee, but only swiped his card once a month, which exempted him from the annual fee of that year. . . Who cares? I left it there.