1, which is usually a debit card. Save money before spending. Use as much as you save, and the usage has nothing to do with your credit history.
The annual fee is always deducted. When your card balance is insufficient, there is no money to deduct, and it is impossible to ask you to pay.
3. It should be noted that cards that have not been used for many years. For example, three years ago, the balance of the card was zero. If you deposit money in it now, the bank will deduct the annual fee for three years at a time. So I suggest you apply for a new bank card.
4. About personal credit records. At present, it is only related to your domestic loan and credit card use records.
1. Online banking printing: log in to enterprise online banking, click account inquiry-account information inquiry-current account