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Is there no deduction if the credit card is not opened? What will happen in the future?
If it is not activated, it is not activated. In principle, there is no charge.

However, cards that have not been activated for more than the specified period (3 months, different for each bank) will be automatically cancelled.

You cannot apply for the same card type again within three months.

It is recommended to open it in time. As long as it meets the requirements, the annual fee for the following year will be automatically waived if the card is swiped for a specified number of times or the corresponding amount within one year. As long as you swipe your card, there will be no charge for withdrawing money without ATM.