If the credit card of CITIC Bank is not activated, you can handle the complaint and appeal according to the following steps:

1. Contact the customer service of CITIC Bank: You can report your situation to the customer service of CITIC Bank by calling the customer service number of CITIC Bank at 4-82-8787 or submitting an online appeal on CITIC Bank official website, and ask for a refund of the annual fee.

2. Provide relevant evidence: When making a complaint, it is recommended to provide relevant evidence, such as bank statements, credit card application forms, SMS records, etc., for the bank's customer service to verify.

3. Follow up the handling result: After the complaint, the customer service of the bank will investigate and handle it, and the handling result will be notified to you by phone or SMS, so you can follow up the handling progress within a certain period of time.