Under normal circumstances, credit cards are not activated and there is no annual fee. The CBRC has long stipulated that as long as credit card applicants have not activated their credit cards, they are not allowed to collect annual fees, and banks are not allowed to open inactive credit cards for applicants without permission.

Therefore, at present, generally inactive credit cards do not charge an annual fee. However, it is not excluded that some special credit cards can still charge an annual fee without opening the card. You should ask the bank for details, otherwise there will be arrears and overdue, which will seriously affect your credit.

Extended data:

Credit card, also called credit card. It is a non-cash transaction payment method and a simple credit service.

A credit card is a credit certificate issued by a commercial bank or a credit card company to eligible consumers. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

China's relevant laws ("NPC Standing Committee on

20 17 12 1, the English translation and writing standard for public services was formally implemented, and the English name of the Credit Card standard was stipulated as Credit Card? .

References:

Credit card-Baidu encyclopedia