Huaxia Bank will not charge an annual fee if its credit card is not activated; Huaxia Bank Credit Card is valid for three years. During the validity period, the cardholder can activate it at any time. The card will not be automatically cancelled within three years. If you need to cancel the card, you need to call Huaxia Bank's credit card customer service hotline to cancel the business.

China Banking Regulatory Commission (CBRC) has long stipulated that as long as credit card applicants do not activate their credit cards, they are not allowed to charge annual fees, and banks are not allowed to open inactive credit cards for applicants without permission. However, it is not excluded that some special credit cards will be charged if they are not opened. You should ask the bank clearly about the specific situation, otherwise there will be arrears and overdue, which will seriously affect your credit.

Huaxia Bank Credit Card Free Annual Fee Policy

1. Huaxia Bank Credit Card (except Huaxia Yida Gold Card) is free of the annual fee for the first year, and the annual fee for the next year can be exempted if you spend five or more transactions a year.

2. Huaxia Yida Gold Card is exempt from the annual fee for the first year, and the annual fee for the following year can be waived for one transaction or more per year.

3. One of the annual fee rules of Huaxia Bank's credit cards is that because the annual fee is not the main source of income for domestic credit card issuers, banks generally stipulate that the annual fee will not be waived until the card is swiped for a certain number of times, but there is no limit on the amount.

The annual fee policy of most banks is that the annual fee for standard credit cards is around 1 yuan, while the annual fee for gold cards is generally in 2 yuan or 3 yuan. The annual fee for a single-currency card is lower than that for a dual-currency card. The annual fee of the supplementary card is generally halved corresponding to the annual fee of the main card. However, the annual fee standards of credit cards in different banks will vary according to different cards. For example, Shanghai Pudong Development Bank standard credit card Puka annual fee master card 18 yuan, attached card 9 yuan; Gold card annual fee main card 36 yuan, supplementary card 18 yuan; The annual fee for Shanghai Pudong Development Co-branded Card is 36 yuan; As for the Pufa McDull series credit cards, the signboard of "free annual fee for life" has been displayed. Therefore, even for credit cards issued by the same credit card center, the annual fee standard will vary greatly. Cardholders should first ask how high this "potential cost" is when they apply for a card.