1. The card has been processed but not opened. Usually, there is no cost. Except for a few special circumstances, after getting a credit card, it is best to call the bank customer service first to find out for the sake of insurance.
2. The card has been opened after processing. Credit cards will incur a certain fee. The most common is the annual fee. As for the annual fee, most credit cards are free of annual fee in the first year, and they will be charged after the second year. Banks charge different annual fees.
3. New card users should cancel in time when not using credit cards. Otherwise, the expenses incurred by the credit card itself may cause overdue. There will be a penalty interest after the deadline, and it will also affect personal credit and affect future loans.