China Construction Bank’s credit card annual fee charging standards vary depending on the card type. For business cards, the annual fee for the gold card is RMB 200, while the annual fee for the regular card is RMB 100. In terms of personal cards, the annual fee for the gold card is 160 yuan for the main card and 80 yuan for the supplementary card, while the annual fee for the regular card is 80 yuan for the main card and 40 yuan for the supplementary card. However, China Construction Bank provides a preferential policy of no annual fee: as long as the cardholder completes at least three card transactions (regardless of the amount) within a year, the annual fee for that year can be waived. If this threshold is not reached, annual fees will begin at the beginning of the second year. Therefore, whether an annual fee is required depends on the cardholder's consumption record.