According to the Southern Fortune Network, the annual fee-free credit card means that users who apply for a credit card can enjoy the annual fee-free discount, and there is no need to pay the annual fee after the credit card is successfully activated. The annual credit card fee refers to the annual credit card fee. In order to encourage consumption, the bank has given various annual fee reduction policies. Generally, the annual credit card fee starts after the cardholder activates the credit card and is charged annually. Different banks and different card types charge different annual fees.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.