If you do not repay for a long time, which will have a negative impact on your personal credit status, your name will be entered into the blacklist; the name of the borrower will be entered into the blacklist, and you will want to apply for a card from any bank in the future. , it will be difficult to apply for a mortgage, loan, etc., and the bank will directly return the application or improve the access conditions;

The annual fee for credit cards is waived in the first year, and is only charged in the second year.

But if you swipe the card more than 12 times in the first year, the annual fee will be waived