You can contact the staff to cancel the annual fee, or report their unreasonable charges.

The China Banking Regulatory Commission released the previously issued "Notice on Further Regulating the Credit Card Business" on its website. The notice clearly stipulates that banks are not allowed to deduct any fees before the credit card is activated without the authorization of the cardholder. At the same time, banks are not allowed to issue credit cards (except supplementary cards) to students under the age of 18. Unless the cardholder authorizes the banking financial institution to deduct fees in writing, customer service center phone recording or electronic signature. ?

Whether a credit card charges fees is divided into the following situations: If you apply for a new card, it is just an ordinary credit card. According to the regulations, there is no annual fee if you do not activate it. If you are applying for a new card, but it is a special card type (such as car card, platinum credit card, diamond card, etc.), because when you apply, the bank has made it clear on the application form that the annual fee will be charged and will not be waived. If you sign and agree, no matter It will be charged regardless of whether it is enabled or not. (In line with the cardholder authorizing the banking financial institution to deduct fees in writing) If you renew a new card (i.e. the card expires), this is a contract extension, and the annual fee policy of the old card will be used. No annual fee will be charged because it is not activated, that is, if the bank does not meet the conditions for annual fee reduction, it will still be charged.

Furthermore, I would like to remind you that policy-related things should not be taken out of context. Just read the first part. Many people will not read the following supplementary sentence, "Unless the cardholder provides the information in writing, in the customer service center phone recording or The electronic signature method authorizes banking financial institutions to deduct fees. "? It is recommended that you call customer service as soon as possible.