The annual fee is actually the management fee of the credit card, and it is also a prerequisite for enjoying the rights and interests. It is charged every year. However, many credit cards run by card friends generate annual fees, but they don't use cards, so they think they can not pay them. If you really do this, the consequences will be very serious. It is better to see if there is any way to reduce it. do I have to pay the annual fee for the unused credit card? As long as the credit card is not cancelled after successful processing, the annual fee must be paid within the specified time, regardless of whether it is used or not. You don't have to be so entangled, which is actually similar to many of our life scenes. For example, the residential property fee can be collected monthly or annually, but it won't stop you from paying because you don't live in the residential area; Another example is the parking fee, which is charged by the day, monthly and annual, and will not be reduced or exempted for you because you didn't park this month. However, the annual credit card fee is generally deducted from the quota, and everyone will pay the fee if they repay it on time after deducting the fee. Of course, if the annual fee is reduced or exempted within the annual fee period, it is unnecessary to pay the annual fee. Here, I would like to remind everyone that after the credit card generates the annual fee, remember to repay it, otherwise it will affect the credit information and will be charged with penalty interest and liquidated damages. If you feel that the annual credit card fee is unfair, you can call the bank to consult the customer service after repayment, and whether you can refund the annual credit card fee. Usually, the non-rigid annual fee card can be refunded as long as it meets the bank conditions after being deducted. For example, Puka and Gold Card only need to be replenished several times, and the bank will refund the annual fee when it reaches the standard and include it in the first-phase bill. In short, the annual fee must be paid whether the credit card is used or not, but there is also a chance to return the deducted annual fee, and the annual fee reduction conditions must be met in advance.