There is an annual fee.

Each bank handles credit card business and charges annual fees, special unit handling fees, off-site deposit and withdrawal handling fees, off-site transfer handling fees, loss report handling fees, card production fees and other fees according to regulations.

Commercial banks should strengthen the construction of IT systems for factoring business. Banks with larger business scale and higher complexity should establish electronic business operations and management systems to control credit lines, transaction data, business processes, etc. Perform real-time monitoring.