Ping An Bank's credit card is not activated and there is no annual fee. The Measures for the Supervision and Administration of Credit Card Business of Commercial Banks states that credit cards cannot be charged without the activation of the cardholder. Under special circumstances, except for the expenses deducted by the cardholder in writing, customer service telephone recording, electronic signature, and the way recognized by both the cardholder and the issuing bank, and the debt relationship formed when changing the card.