1. Look at the annual fee rules of your credit card. If it is a rigid annual fee, it will not be refunded;

2. If you can return it, but it is still a few strokes short of the requirements, you can call customer service to negotiate, depending on whether the bank can return it.

3. If the rule itself is to deduct the annual fee, and then pay it back by swiping the card (such as platinum), then you must swipe the card to meet the standard within the specified time, and naturally pay it back.