This depends on your credit card issuing bank’s regulations on annual fees. There is no charge for credit card opening and activation itself, but as for the annual fee, some banks charge the annual fee in advance, that is, they charge it at the beginning of each usage cycle (year) after the card is opened. Then, if the credit card does not waive the first payment There is an annual fee, or if it is a product that does not waive the annual fee, then there will be an annual fee as soon as you open the card. Currently, most domestic credit cards have free annual fees in the first year, but annual fees will be incurred after the card is swiped in the following year. However, the annual fee for a credit card is usually deducted if the card is swiped a certain number of times and for a certain amount. You can learn about it directly through the bank's official website.