In some banks, the annual fee settlement cycle is delayed by one year after the card issuance date, while in some banks, the annual fee collection time is delayed by 6 days after the card issuance date, and in some banks, the first billing date is the starting time. The regulations of major banks are different, so please refer to the time given by the credit card bank outlets.

All credit cards have annual fees. According to different banks and different types and grades of cards, the annual fees of credit cards are also different. However, the annual fee policies of most banks are basically not too different. Generally, the annual fee for standard credit cards is around 1 yuan, while the annual fee for gold cards is generally 2 yuan or 3 yuan. The annual fee for a single-currency card is lower than that for a dual-currency card. The annual fee of the supplementary card is generally halved corresponding to the annual fee of the main card.

according to your description, you need to pay an annual fee.