1, annual fee, as agreed upon when handling the card. If you swipe your card x times in the same year, you will be exempted from the annual fee of the following year. If the number of swipes is not enough, an annual fee may be incurred next year.

2. Interest and late fees. There was a debt on the credit card before. Although there is no further consumption, due to the failure to pay according to the bill requirements, interest and even late fees will be incurred.

That's all. There should be nothing else.