Usually, if you don't use the credit card after it is opened, there may be a fee. Whether there will be a fee depends on the actual situation. The first case is that the card is a high-end credit card, and even if it is not used, the annual fee will be deducted; In the second case, this card has been activated, and the activated credit card needs to pay an annual fee according to bank regulations, so if it is not used, the annual fee will be charged normally.

We can now give an example:

1 and A card are free of annual fees, so there will be no charge whether they are activated or not.

2.B card has been activated, even if it is useless, the annual fee will be deducted every year.

3. Card C is not activated, but the card level is not high. If you don't use it, you have to pay an annual fee.