generally, the annual fee is calculated from the activation time of the card opening, automatically deducted from the credit card limit every year, and included in the next bill, which requires the cardholder to repay, and is not limited by the credit card limit.

the annual fee deduction date of most credit cards is determined according to the activation date. The annual fee standard varies with different card types. Some credit cards have a rigid annual fee, which has nothing to do with the number of swipes and the amount of consumption. However, some credit cards are exempt from the annual fee in the first year, and then the annual fee for the following year can be exempted if the credit card consumption reaches a certain number of times or amount.

in addition, the annual fee of the supplementary card is generally half of that of the main card, and it may have its own reduction or exemption activities.