A card friend consulted and said that he had a credit card last year. When he got it, he found that the limit was 0 and it was useless. As a result, I actually received a bill from the bank not long ago. I have carefully looked at the original annual fee deducted, and I want to know why the zero-line credit card also generates an annual fee. As far as we know, in the general bank card issuing strategy, personal information, work, social security, credit information and so on are very strict. If you get a zero credit card, your qualification is not very good, and the comprehensive score of bank audit is very low. Other banks may be rejected directly. But the bank regards you as a potential customer and a plastic surgeon, so it gives you a credit card. Although the limit is 0, it is also a good start for white households to accumulate credit. So, if you get a zero credit card, you can use it as a debit card. Anyway, it usually takes flowers. Then charge the money into this card, swipe your card when you spend, and gradually make credit contact with the bank, so that your card amount will gradually increase. However, some card friends think that since it can be used as a debit card, it doesn't matter whether it is used or not, and there will be no other fees anyway. This is actually the lack of credit card knowledge. Under normal circumstances, many credit cards with zero quota will not generate annual fees if they are not opened. However, if you open a card and don't use it for consumption, you will not be able to meet the annual fee reduction requirements because you don't fully use it, and it is inevitable to generate annual fees. In addition, although some banks do have a small number of cards that are unconditionally free of annual fees for life, some credit cards cannot be unconditionally free of annual fees, especially high-end credit cards such as platinum cards. Even if you don't activate them, you will still incur an annual fee. In the past, the banking industry in the mainland was boundless, and an annual fee was charged for approving cards. Later, the CBRC stipulated that cardholders must open a card to collect annual fees. If the cardholder does not apply for an unconditional lifetime annual fee-free card, the bank will ask him to pay the annual fee even if he does not swipe the card after opening the card. If the annual fee is not repaid in time, the personal credit report will be "stained". So remind everyone that if you encounter a "zero-line" credit card, if you don't want to use it, you should go to the bank to cancel it in time to avoid unnecessary expenses.