If it is a CCB credit card, it depends on what kind of credit card you have. Generally, if the credit card is not activated, there will be no annual fee. Even if there is an annual fee, you can use the number of credit cards to exempt the annual fee of the year. Generally, there are 3 gold cards and standard platinum credit card 10. The amount and location are not required. The annual fee for the UnionPay version of Longka Family Credit Card is 580 yuan/card/year, and the annual fee for the supplementary card is 300 yuan/card/year. There is no annual fee for swiping a card. Whether the card is activated or not, China Construction Bank has the right to charge an annual fee.