The credit card policy of CITIC Bank shows that whether the Platinum Card generates an annual fee is related to its activation status. In the case of upgrading an ordinary card to a platinum card, there will be an annual fee even if it is not activated after upgrading, and it cannot be offset by points. However, this does not apply to all platinum cards, and the specific rules may vary from card type to card type. Generally speaking, inactive credit cards will not charge annual fees or other related fees without the limitation of activation period.

With regard to activation, CITIC Bank allows users to activate their credit cards at any time within the validity period, and expired inactive cards will be invalidated. Credit cards are usually valid for 3 to 5 years, so long as they are activated or not, they can be used normally. Moreover, the activation process is flexible and there is no specific time requirement.

The credit card application conditions of CITIC Bank are relatively relaxed. Applicants need to be local residents aged 18-65 (or foreigners aged 25-65), have stable jobs, incomes and residences, and have a good credit record. It is worth noting that CITIC Magic Credit Card can only be applied by women, and the supplementary card applicant must be a relative of the main cardholder. The information required for the application will be different according to the personal situation and the application card. If there are other bank credit cards and they are used well, the process can be simplified by "using cards", but it is necessary to ensure that the credit cards of other banks have no overdue records in the past 6 months and the credit limit is up to standard.