The disadvantage of the Agricultural Bank of China is that there will be an annual fee when it is not used. According to the inquiry, the Agricultural Bank of China's Jintong card is a credit card. After handling the credit card, it is only hoarded and not used. If the annual fee is deducted, the customer needs to bear the repayment responsibility. However, there are also annual fees that are exempted, and there is no harm in not using it. The card can be used for collection, but it will be automatically invalidated when it expires.