According to Caiti. If the annual fee of CITIC Credit Card is not paid, it will directly affect the credit status of the cardholder. In the view of credit card, it will be directly defined as the overdue behavior of credit card. As long as the credit card is overdue, it will be recorded in the credit report, and overdue behavior will be recorded in the user's credit report.

Annual fee, also called "bank card account management fee", refers to the cost for banks to manage and maintain bank cards held by customer service. The annual fee for a credit card is the credit card service fee.