No, no money will be deducted as long as the card is not opened. Even if the card is opened but has not been swiped, the bank has no right to deduct the so-called annual fee. The China Banking Regulatory Commission has previously stipulated that if your annual fee is deducted because you have not used it, you can call their customer service to get it back. If necessary, you can go to your local relevant department to complain to them.