If the annual fee is not paid, the credit card may be frozen, and it will be difficult to apply for a loan or credit card from the bank in the future.

Generally speaking, credit cards are free of annual fees in the first year, which means that cardholders don't have to pay annual fees in the first year, and cardholders can also reduce the annual fees in the following year by swiping their cards six times in the first year. If the annual credit card fee is reduced for life, it will be reduced if it is not used for a long time.