No annual fee will be incurred if the credit card is not activated (except for cases where we have been authorized to collect by our bank in writing, by phone, etc.).

If the card is a product with a rigid annual fee, usually this kind of credit card does not waive the annual fee because of its special benefits, such as car cards, Yinong credit cards, etc., the annual fee is calculated after you activate the card;

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High-end credit cards (Smart Card, Diamond Card, Exclusive Platinum Card) or Family Love Card (UnionPay), etc., regardless of whether the card is activated or not, the annual fee will be charged after the card is approved. Please pay attention to the statement for details.

Extended information:

For new cards after the expiration of the credit card, the annual fee collection policy is the same as that of the old card; each year referred to in the annual fee charging standard is each card holding year , can be judged based on the validity period of the card held. The month in the validity period is the starting month of a card holding year, and the month to the next year is a card holding year.

Credit card annual fee adjustment conditions

If the credit card is a card with an annual fee discount, and the number of purchases and cash withdrawals during the card year does not meet the annual fee exemption conditions, the annual fee will be deducted. You can meet the conditions for re-swiping the card within three months after the annual fee is generated (3 transactions/6 transactions for cards with no annual fee need to re-swipe 3 transactions, and 10 transactions for cards with no annual fee need to re-swipe 5 transactions), our bank will Actively adjust the annual fee within 1 month after meeting the conditions.

China Construction Bank - Credit card annual fee adjustment conditions

China Construction Bank - Credit card annual fee standards