No matter whether you owe money before "useless", it will be useless for four or five years, and there will be an "annual fee" for at least two or three years.

The so-called "annual fee" refers to the "card fee" agreed when handling credit cards, which is charged annually. At the same time, it is generally agreed that the card will be used n times in one year, and the annual fee for the next year will be exempted. Some cards are 8 times, some are 6 times, depending on the original contract.

Because it has been useless for several years, people will definitely charge us an annual fee, and we certainly don't know that we have to pay this money, which means that we have already incurred arrears, as well as "arrears interest" and "arrears late fees" with compound interest. I suggest calling the customer service hotline to find out how much money is owed. Don't pay it back as soon as possible if you have money.