No need. Handling the credit card itself is free and there is no need to pay any fees. Those who meet the requirements for applying for a credit card can apply for a credit card at a bank outlet, or through a bank official website, a mobile app or a third-party channel. After the credit card is successfully processed and opened, there may be an annual fee, but usually the general credit card has an annual fee-free policy. For example, if the amount of credit card swipes reaches a certain amount within one year, or the number of swipes reaches a certain number, you can enjoy the annual fee reduction.