If the credit card defaults on the annual fee, it will not only affect the customer's personal credit record, but even affect the future loan application. But taking the landlord as an example, there should be overdue records on the personal credit report, but the situation is not serious. If you just forget to pay the annual fee, talk to the bank about what business you want to handle.

If the landlord's credit card is not activated after handling, there is no annual fee. Unless you apply for a special card such as Platinum Credit Card, the landlord can check whether the credit card is overdrawn in the following ways:

1, telephone inquiry on the back of the card;

2. Follow the prompts after logging in through your online banking;

3. Take the credit card to the counter for the staff to inquire.

The landlord should pay more attention to using credit cards in the future. If you don't use them, cancel the card cutting.