Generally speaking, you only need to open the card within the validity period of the credit card. There is no time limit for the activation and opening of CITIC Bank credit card. Please activate it through the customer service phone. However, if you open the card and activate it after one year, an annual fee will be charged, and you will not enjoy the annual fee-free policy in the second year. The above is the information I learned. I hope my answer can help the original poster!