1. Check whether it meets the annual fee-free policy: check whether your credit card meets the annual fee-free policy of Guangfa Bank, and if it meets the requirements, you can apply to the bank for a refund of the annual fee.

2. Make-up Brush: If the fee is deducted because the annual fee is not met, you can contact the customer service of the bank to make up the brush. After making up the brush, wait for the approval of the bank, and the annual fee will be refunded to the credit card account.