According to the information of official website Credit Card of Shanghai Pudong Development Bank, the annual fee will not be charged for unactivated credit cards, but it should be noted that the annual fee charging rules of different credit cards may be slightly different, which is subject to the official regulations. In addition, we also suggest that you activate your credit card in time, and avoid unnecessary consumption and overdue according to the relevant regulations of credit card official website.

With regard to overdue online loans, we suggest that you can learn about your own online loans and give priority to paying off official loans to reduce adverse effects. You can easily find out the overdue records of your online loans on Puxincha, and you can also classify your online loans, including formal and informal platforms, credit information and credit information. In the case of insufficient funds, you can negotiate with the online lending platform to give priority to paying off formal credit loans to reduce the negative impact. Remember to choose a formal platform when lending online to avoid being cheated.