It depends on your credit limit. There is a cash withdrawal limit, which can be withdrawn at an ATM, but this requires handling fees and interest. The money you deposited can be withdrawn for free at the Agricultural Bank of China. It is not needed for the time being. It shouldn't be a problem if you don't activate it. There is no annual fee for this card itself. However, when I went to the bank to activate it, the bank said that I had to swipe five times to get the annual fee waived. I don't know what happened. Maybe the bank staff didn't know the card clearly. Bar