Call the customer service of the bank and let them know whether the arrears of your credit card are only due to the annual fee. If so, directly ask the bank for relief (if the bank doesn't agree to the relief, you can directly tell their customer service that you complain to the CBRC and he will help you with the relief). Don't forget to ask him if these arrears have caused bad credit after the fee reduction. If so, be sure to ask them to update PBOC records, otherwise the loans and credit cards you help will have a great impact. thank you