According to the regulations of CBRC, a credit card cannot be charged without the cardholder's activation. However, the Regulations also stipulate that under special circumstances, the cardholder alone authorizes the deduction in writing, customer service telephone recording, electronic signature, and the way recognized by both the cardholder and the issuing bank, except for the creditor-debtor relationship formed when changing the card.

Cardholders are advised to read the instructions carefully before applying for a credit card, and never write the words "read the relevant regulations carefully" directly on the application form according to the requirements of the salesman. However, if the cardholder questions that even if the dedicated credit card is not activated, the bank will charge an annual fee. You can ask the bank to provide proof that the cardholder authorizes the bank to deduct the fee in written or electronic signature, or provide telephone recording of the relevant customer service center.

If you have other specific questions, I suggest you call the customer service staff of the issuing bank, hoping to help you.