When a credit card (debit card) is upgraded to a platinum card, the 2,000 fee is deducted because the system deducts the annual fee of the platinum card. If the user's credit card (debit card) is not activated, he or she can apply to the bank to downgrade it back to the original card. In this way, the annual fee will be returned to the user, and a new card will be issued to the user later. As for the platinum card you received, just cut the card without activating it. Newly received cards need to be activated before they can be used.

Of course, if the user activates the platinum card and is charged a 2,000 annual fee, which is charged without the user's knowledge, the user can also apply to the bank for a refund of the annual fee.