China Banking Regulatory Commission issued a document in the second half of 2009, clearly stipulating that any bank will not charge any fees if it does not open any credit cards, and banks cannot violate this regulation, so CITIC Bank should not have an annual fee if it does not open any credit cards. However, if you open a card in the future, the annual fee will start from the year when you apply for the card. So if you want to use the card, you might as well open it as soon as possible. Sell it if you don't want to use it!

I hope my answer can help you! Good luck!