It is understood that the credit cards issued by China Construction Bank and China Merchants Bank have to pay an annual fee even if the credit cards of college students are not activated. For the credit cards of ICBC, ABC, CITIC and Guangfa, if the cardholder does not call the customer service hotline to request activation, there will be no annual fee. After six months' use of college students' credit cards, you can apply to the bank to increase the credit limit. The bank will comprehensively consider the credit card usage and other factors to evaluate the cardholder's comprehensive credit, and decide whether to increase your credit limit according to the evaluation results. In addition, if you need a large short-term expenditure, you can also apply to the bank to temporarily increase your credit card limit for college students.