If you forget to deduct the annual credit card fee and the bill has been generated, you can call the customer service hotline of the issuing bank and ask the customer service staff to make up for it. In this way, the user can get a deadline to make up the bill, after which the user can refund the bill first, and then the bank will return the annual fee to the credit card account; Or after the makeup is completed, the customer service will cancel the bill directly, so that the user can avoid the annual fee.