Some special credit cards issued by banks, such as some high-end platinum cards, have a rigid annual fee. Once the card is approved, the bank will charge an annual fee as usual regardless of whether the card is opened or not. If the card is a high-end card, even if there is no consumption, the annual fee will be deducted from the credit card limit first. Therefore, if a general credit card has not been spent but has received a bill, it may usually be an annual fee charged by the bank.