The credit cards of Industrial Bank are mainly divided into two categories. One is standard card, including gold card and general card. Puka is free of annual fee in the first year. If you swipe your card five times, you will be exempted from the annual fee in the second year. The amount of the gold card is 50,000 yuan, and the annual fee can be waived by swiping the card five times a year. The other is Platinum Card, which contains many types of credit cards. The annual fee is also divided into 500 yuan, 600 yuan, 900 yuan and 2600 yuan.
The staff said that the standard card is not activated and there is no annual fee, while once the platinum card and other products are issued, they will be charged an annual fee regardless of whether they are activated or not. For example, even if some banks are not activated, joint cards, platinum cards and VIP cards still have to pay annual fees. For example, VIP cards will have some additional services. Because this kind of credit card has many functions, some banks implement the policy of not charging for this kind of credit card.
So if you are sure you don't want to use it, you must remember to cancel the card, otherwise there will be great losses.