If it is an ordinary credit card, it will not generate an annual fee if it has not been activated. If it has been activated, it will charge an annual fee even if it is not used at ordinary times. If the user uses a high-end credit card, a rigid annual fee is required, and an annual fee will be charged regardless of whether it is activated or not, such as a platinum credit card.

credit card, which has an annual fee. Generally speaking, you can swipe your card 6 times a year, the amount is unlimited, and the annual fee is free. If the user has not paid the annual fee, it needs to be paid. If the user doesn't use the credit card for a long time, cancel it. Exempt from annual fee.

how long does it take for a credit card to become invalid?

a credit card will be invalid after 3-5 years. Every credit card has an expiration date, usually three to five years after it is issued. If the credit card is not activated within the validity period, it means that the card is invalid. But canceling the credit card does not mean that the credit card will be cancelled.