Hello, if you hold a credit card successfully activated by ICBC, there will be an annual fee if you don't overdraw it. The overdue bill you received should be the annual fee of the credit card. For example, the ordinary card annual fee of ICBC credit card can be exempted. Generally, you can avoid the annual fee by swiping your card six times. You can call ICBC customer service in time, apply for renewal and then reduce the annual fee.