Hello, the all-in-one card sent to you along with the credit card is a debit card. It needs to be activated after receiving the card before it can be used. All-in-one M cards (including credit card cross-selling M magnetic stripe cards) do not charge annual fees, but account management fees are charged. The charging standard for account management fees is unified across the bank at 3 yuan/month. New accounts are not charged in the month of opening and activation, and will be charged from the next month (account management fees will not be charged if there is no activation. For example, if the card is opened in January and activated in March, then No account management fees will be incurred from January to March, and account management fees will be charged starting from April)

If you have other questions, it is recommended that you consult "Online Customer Service"/cmu/icslogin.aspx?from =Bamp; logincmu=0. Thank you for your attention and support!