This bank’s credit card has an annual fee.

As long as the user activates the credit card, most banks will charge an annual fee. Even if the user does not use the credit card for a year, the annual fee will still be charged.

However, most banks will also have a policy of waiving annual fees. As long as the user's credit card limit reaches the limit required by the bank, the annual fee can be waived. If the user has not used the credit card for a year, remember to pay the annual fee on time, because if the user does not pay the annual fee clearly, it is overdue, and overdue will affect the user's personal credit report.