CITIC Bank's credit card repayment inquiry, why are there repayment requirements for unused credit cards?

There are two reasons why credit cards cannot be used but need to be repaid:

1. If the credit card is not used for a long time after activation or the number of uses does not meet the annual fee-free standard stipulated by the bank, an annual fee will be charged;

2. Some credit cards will charge cash after activation. For example, the 200 yuan annual fee will be deducted after the Ping An owner's credit card is activated, and the annual fee will be charged after the Platinum credit card is activated.

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