It won't make any difference. However, it should be noted that some credit cards will have annual fees even if they are not opened, so you need to consult the bank customer service. In order to avoid the overdue due to the annual credit card fee.

Annual fee standard:

The annual fee for domestic ordinary cards is 5 yuan, and the gold card is 1 yuan;

The ordinary card fee for international dual-currency card is 1 yuan, and the Golden Card is 2 yuan;

ordinary business card 2 yuan, golden card 4 yuan; Platinum card 2 yuan;

the annual fee of all secondary cards is half of the annual fee of the main card.

Extended information

Annual fee-free rule

It's certainly not cost-effective not to swipe the card and post the annual fee backwards. However, different banks have different annual fee-free rules, which makes it easy for cardholders to inadvertently generate annual fees.

it is generally believed by cardholders that the annual fee is waived in the first year and the annual fee is waived in the next year when the card is swiped to a certain standard, but this is not the case for all cards. For example, ICBC's credit card does not have an annual fee in the first year, but it needs to be swiped for 5 times or spend more than 5, yuan to avoid the annual fee for that year; According to the regulations of CITIC Bank, the annual fee for the first year can only be waived by swiping the card once in the first month after issuing the card.

In terms of the rules of exempting the annual fee for the following year, some banks stipulate that it can be free as long as they swipe their cards for more than three times, such as China Construction Bank [6.2 3.85%] and China Everbright Bank; Some banks require more times to swipe their cards. For example, SDB credit cards require 18 swipes to exempt the annual fee for the following year. Most banks, such as ICBC, Agricultural Bank of China, Bank of China, Bank of Communications, China Merchants Bank, etc., are exempt from the annual fee for 5-6 times.

the financial planner of yinlv. com pointed out that because the annual fee is not the main source of income for domestic credit card issuers, banks generally stipulate that the annual fee will be waived only after swiping the card for a certain number of times, and there is no limit on the amount. However, banks that limit the amount of consumption are not without it. For example, Shanghai Pudong Development Bank stipulates that if the consumption is over 2, yuan or more, the annual fee for the following year can be exempted.

It is also particularly noteworthy that the annual fee-free rules of banks are not immutable. The staff of the Credit Card Center of Bank of Communications [8.79 4.27%] told the reporter that the annual credit card fee is based on the collection time of the annual fee in the first year, and it is pushed back for 12 months, which is the collection time of the annual fee in the next year. Generally, the annual fee-free rules of Bank of Communications credit cards will be notified to cardholders by SMS at the end of the year or the beginning of the following year, and cardholders need to pay attention to whether the annual fee-free rules have changed.