according to its financial network, the annual credit card fee is not charged according to the natural year. The annual credit card fee is calculated from the day the card is activated, and then ends at the same time in the second year, which is a whole cycle year. The annual fee of general credit cards is relatively easy to be exempted. Banks have introduced annual fee-free policies, but the annual fees of some high-end credit cards are rigid and cannot be exempted. Other credit cards basically have annual fee-free policies.