It’s been a month, so you don’t have to look for it. Just call China Merchants Bank’s customer service and ask them to resend you one for free. As for the annual fee, generally speaking, the first year is free. There is no annual fee, and if you swipe the card 6 times a year, the annual fee will be waived (this is true for general cards, with the exception of platinum cards or other special cards). If you do not activate it, there will be no annual fee (you'd better confirm this, some banks different)