Hello, the annual credit card fee refers to the one-year use fee of credit cards, and the rates charged by banks are different. This annual fee will only be charged after you activate your credit card (whether it is activated or not).

Now most banks have preferential policies, and you can deduct it after spending a certain number of times. However, the number of annual fee exemptions varies from bank to bank, depending on the standards published by the credit card issuing bank in your hand. High-end Platinum Card and Unlimited Card both have the requirement to exempt the consumption amount and annual fee of points, otherwise they cannot be exempted. Before the cardholder activates the credit card, the bank shall not charge an annual fee. However, most people often don't understand the various rules of different banks for handling annual credit card fees. However, it should be reminded that most banks' credit cards are now free of annual fees in the first year of card application, and they can also be free of annual fees in the second year as long as the consumption reaches a certain amount or amount. In the process of use, it is best to communicate with the issuing bank to understand the annual fee.