Most banks and most card types don't charge fees if they are not activated. However, in the written statement of credit card rights of banks in official website and when they apply for cards, it is indeed stipulated that "once a card is issued, an annual fee will be charged regardless of whether it is activated or not".

If you don't plan to activate the use, it's best not to apply for a credit card at will to avoid unnecessary expenses.

Article 49 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks issued by CBRC 20 1 1 stipulates that credit cards shall not be charged without the activation of the cardholder. However, the "Regulations" also pointed out that "under special circumstances, the cardholder alone authorizes the deduction in writing, recording customer service calls, electronic signatures, and methods recognized by both the cardholder and the issuing bank, except for the creditor-debtor relationship formed when changing the card." In other words, the "Activation Free Annual Fee" does not cover all credit cards.

The main characteristics of credit cards

1. Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.

2. Credit card has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;

Credit card is a high-tech product integrating financial business and computer technology.

4. Credit cards can reduce the use of cash and currency;

5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

6. Credit cards can simplify the collection procedures and save social labor;

7. Credit cards can promote commodity sales and stimulate social demand.