Whether the Ping An Car Owner Card credit card will incur fees depends on whether the credit card is activated:

1. If the Ping An Car Owner Card credit card is not activated, no fees will be incurred.

2. If the Ping An Car Owner Card credit card has been activated, an annual fee will be incurred if it is not used. If the annual fee is not repaid in time, it will be regarded as overdue, which will affect the personal credit report and the cardholder's future financial lending affairs. Credit card application.

If the credit card is not used for a long time, it can be canceled. If it is lost and used by criminals, the risk is incalculable.