If the annual fee is really incurred, you can ask them to change your credit record. Of course, most banks will not change it for you. It’s not that they can’t, it’s just more troublesome and they are lazy. . . (Report to the People's Bank of China). You call the customer service hotline and ask for a change. If they don't change it, you strongly request a complaint. But it turns out that you didn't receive any notice of arrears at that time, so the boss has to complain before the change can be made!