The annual credit card fee is a fee related to the use of a credit card and is usually calculated after the card is activated. According to relevant regulations, inactive credit cards will not be charged annual fees. The "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" clearly stipulates that when issuing credit cards to cardholders, the card-issuing bank must first conduct identity verification. Credit cards cannot be activated without the cardholder's signature confirmation and activation procedures. Only after the cardholder actively activates and uses the credit card can the bank begin to calculate the annual fee. Otherwise, whether it is a gift or the deduction of over-limit fees, the cardholder must explicitly authorize it.

It is worth noting that if the credit card is not activated, no fees will be charged, including annual fees. Banks can charge fees to inactive credit cards only under specific circumstances, such as written authorization or customer service call recordings, etc. This usually refers to fees incurred for card replacement or authorization fees under special circumstances. For over-limit card usage services, cardholders need to actively apply for activation, otherwise banks are not allowed to deduct over-limit fees without authorization.

In general, the collection of annual credit card fees is closely related to the activation and use status of the card. Only after the cardholder explicitly uses and agrees, the bank will start to calculate and charge the corresponding annual fee. fee. Card-issuing banks have the responsibility to provide clear information to cardholders to ensure that the rights and interests of both parties are protected.