Not very easy. There is no annual fee for China Merchants Bank credit card without opening the card.

The account management fee for all-in-one card M+ card (including DS cross-selling M+ magnetic stripe card) is unified across the bank at 3 yuan/month. If it is not activated, the account management fee will not be charged. It will be charged starting from the month after activation. . (For example, if the card is opened in January and activated in March, no account management fees will be incurred from January to March, and account management fees will be charged starting from April.)