Because there is an annual fee, the credit card will still need to be repaid even if there is no consumption. As long as you open the card, you still need to pay the annual fee. For most credit cards, after activation, you have to make at least five purchases a year to get the annual fee waived. If the number of purchases or consumption amount is not reached after activation, the bank will charge an annual fee.

Other reasons:

1. There are unpaid credit card installments. After the credit card installment is successfully processed, the monthly principal repayment fee will be directly included in the minimum repayment amount of the bill. Even if the cardholder has not used the credit card to make purchases recently, as long as the installment is not paid off for one day, there will be a bill every month. In addition to repaying on schedule, you can also choose to repay in advance, so that there will be no more bills. However, early repayment requires payment of the remaining unshared handling fees, which is not very cost-effective for cardholders.

2. Credit card purchases were made under a false name. This situation also exists. If it is determined that I have not applied for a card, but I receive a credit card bill every month. At this time, it is best for everyone to print a credit report immediately to check whether the credit card in their name is applied for by themselves. If there is an unknown credit card, then they must contact the service hotline of the credit card application platform in time to inform the person who applied for the card under an impersonation and ask the bank to Provide card application information, videos, signatures, etc. for verification, dispose of cards not issued by yourself, and modify your credit report.

3. Open other paid services. Many banks will not provide text message reminders when spending less than 500 yuan. Therefore, many cardholders often choose to activate the text message reminder service in order to keep abreast of credit card developments. This service will be charged every month. At this time, there will also be situations where everyone has bills that need to be repaid. If it is not needed, cardholders can choose to turn off their services, and no more charges will be made at this time.

In short, if there is a bill on the credit card despite no consumption, there must be traces to follow. You can check the reasons for this situation according to the above content, and then take appropriate methods to solve the problem. .