According to the regulations of CCB Long Card Dual Currency Credit Card, the annual fee is charged in advance on an annual basis and will not be refunded after collection.

But now the competition in the credit card business of various banks is fierce, and almost all banks have preferential measures, such as no annual fee as you said. This is what I said when I applied for the Dragon Card: In the first year, swiping the card three times without remembering the amount will waive the annual fee for the second year. In the second year, swiping the card three times will waive the annual fee for the third year. If you swipe the card three times in the first year, it will basically be free.