There are two situations in which you owe money without using a credit card: First, if this card is of no use to you, you can use it to pay the annual fee, or you can use it without any annual fee. The most important thing is that not activating the card will generally not have any impact, at least it will not affect your personal credit record. However, if the credit card is activated but there is no consumption, the annual fee will be charged normally, and the bill received should be charged by the bank. Annual fee.
Secondly, for some special credit cards issued by banks, such as some high-end platinum cards, the annual fee is strictly stipulated. Once approved, the bank will charge the annual fee as usual regardless of whether the card is opened or not. , if you apply for a high-end card, the annual fee will be deducted from the credit card limit even if there is no consumption. Therefore, if a general credit card has not made any consumption but still receives a bill, the bank usually charges the annual fee.
Therefore, if you have a credit card and think it is basically unusable, you should cancel the card through the bank customer service in time to avoid annual fees. It is okay if you always pay attention to the bill. If you block the bill information, even if there is an annual fee, you will not be able to use it. I don’t know, if a credit card is overdue, it will not be as simple as owing late fees, but it will probably affect your personal credit record.