There is an annual fee for credit cards. Generally, credit cards are free of annual fees in the first year, which means that there is no need to pay annual fees in the first year. You don't have to pay the annual fee for the second year if you brush it six times in the first year, which means you don't have to pay the annual fee for the second year. There is no limit to the amount of credit card spending. There are also some high-end credit cards that can't avoid annual fees. Please consult the issuing bank for details.