There are generally three cases about the annual fee of CCB credit card: if it is a civil servant card, it is free of annual fee; Ordinary credit cards spend three times in the same year (regardless of the amount), which can be exempted from the annual fee in the following year and no annual fee in the first year; If it is a car card, the annual fee is inevitable in 200 yuan.

Regarding the handling fee, if it is a civil servant card, you can withdraw the overpaid part for free. As long as you don't mention the other cards now, you can leave them out and enjoy them.