Whether Ping An Bank’s credit cards charge an annual fee actually depends on the specific credit card product. Credit card annual fee policies may vary based on different card types and activities. Some card types may offer annual fee exemptions in the first year, but this is usually a temporary promotion strategy, and cardholders should consider their long-term usage needs and costs.

When choosing a credit card, novices need to pay attention to the following points: First, read the terms of the contract carefully to make sure you understand whether there is an annual fee and the charging standards for the annual fee. Secondly, rationally evaluate your own consumption level, avoid excessive application for credit cards, and choose a card that suits your financial situation. In addition, make sure to activate the new card in time and keep it properly. If lost, report the loss immediately to protect the security of personal information. It is important to maintain a good credit record, which not only affects your credit score, but also determines whether you can enjoy the bank's temporary limit adjustment.

For temporary limit adjustments, Ping An Bank will dynamically manage them based on the customer's card usage behavior and credit status. Encourage cardholders to diversify their consumption, such as spending in different categories such as home appliances, restaurants and supermarkets, while maintaining on-time repayments, which will help improve their credit evaluation. If you encounter urgent card use needs, you can apply for a temporary limit increase through the bank's customer service hotline, but it is recommended to maintain good card usage habits to increase the chance of obtaining a temporary limit.

In general, as to whether to charge an annual fee and how to adjust the temporary limit, you need to check the official announcement of Ping An Bank or contact customer service to obtain the most accurate information. Remember, sensible spending and good credit management are keys to using a credit card.