If the annual credit card fee is overdue, the bank will regard this as overdue repayment, and the bank will submit this record as a negative record to the personal credit database of the People's Bank of China and keep it for a certain number of years. Cardholders need to pay off the annual fee immediately. After paying off the annual fee, don't cancel the credit card immediately, but continue to use this credit card normally for two years, so that there will be no negative record of annual fee arrears in the credit report "24-month repayment status".