Even if the credit card is not used, annual fees will be charged.

Most credit cards are exempt from annual fees in the first year of opening the card. After that, the annual fee can be waived by a certain number of card swipes or the amount of swiped cards. For example, ordinary cards from banks such as Industrial and Commercial Bank of China and Industrial Bank can be exempted from the annual fee by swiping the card 5 times; China Merchants Bank and China Guangfa Bank can be exempted from the annual fee by swiping the card 6 times.

The bank that requires the least number of credit card swipes is China Construction Bank, which can be waived after 3 times. In addition, some banks have also stipulated that when a single consumption reaches 2,000-5,000 yuan, the annual fee for the next year can be waived. Moreover, the annual fee standards for credit cards of various banks are also inconsistent. Some card types are exempt from annual fees, and some ordinary cards have annual fee standards ranging from 20 yuan to 300 yuan.

Extended information:

Cardholders should also pay extra attention to the timing of annual fee collection. Many consumers think that credit card annual fees are not charged until the end of the year. In fact, most credit card annual fees are charged in the month when the credit card is approved, not every calendar year. For example, if the validity period is printed on the front of the card as "03/15", then the annual fee is generally charged in March, and the annual fee reduction period is also from March of the current year to February of the following year.

In addition, China Everbright Bank stipulates that if the cardholder does not reach the number of card swipes without annual fee within the specified time, he can swipe the card again. After reaching three swipes, he can submit an application to the bank to cancel the annual fee.

People's Daily Online - Understand the annual fees and be careful of credit cards that steal money secretly and you will be charged if you don't use it