If the credit card is not activated and used, there is generally no interest and annual fee, and no fees will be incurred (unless it is a higher-level platinum credit card or a special annual fee product). If the credit card is activated and not used, there will be no consumption or withdrawal, and there will be no interest, but there will be an annual credit card fee.

After the credit card annual fee is generated, it will be recorded in the current bill, and the cardholder needs to repay it on time on the due repayment date after the bill date. The bank will regard this as overdue repayment, charge a penalty of 0.5 ‰ per day, compound interest on a monthly basis, and charge a late fee. In this way, if you don't use it all the time and don't repay it, late fees and interest will always accumulate, and bad credit records will always accumulate.