After the credit card account is successfully opened, there will be a limit. Opening a credit card account, also known as credit card activation, refers to the process that the cardholder activates the business by holding his ID card and credit card to the bank counter or calling the customer service phone of the bank where the card is located. If you do not open an account after receiving the credit card, you can't use it, but there is no annual fee. If the credit card is activated successfully, it means that the credit card can be used normally and an annual fee will be incurred.