Under normal circumstances, there will be no annual fee if the credit card is not activated, but there are exceptions. If the special credit card products of personal banks are not activated, they will have to pay an annual fee. In some banks, platinum cards and special cards are charged even if they are not opened. I suggest that you can consult the credit card center about the collection of various fees when you apply for a card!

In addition, if the credit card is not always open, it will not be automatically cancelled before the card expires. It is suggested that if you want to return the card, you can call the issuing bank to cancel the business.

Need to remind everyone that even if there is no annual fee for credit cards, handling multiple credit cards is recorded in the cardholder's personal credit information system. Under this premise, cardholders may be affected if they want to apply for a new credit card or loan in the future. Banks will take into account that cardholders handle multiple credit cards but do not open them, and there are problems such as integrity or lack of such demand, or the success rate of credit card and loan approval will be reduced.