It doesn't matter if it is a direct annual fee-free credit card, but it should be noted that it is not conducive to the withdrawal of the amount after long-term activation of the card, and it will be invalidated directly when it expires.

If the bank does not directly waive the annual fee of the card, the customer will be put on hold after activation, resulting in the customer being unable to repay on time within the specified repayment period after the bank deducts the annual fee, thus causing overdue. Once overdue, it will inevitably lead to personal credit damage. At that time, the card limit may be reduced or even directly frozen by the bank, which makes it impossible to use it again.

Of course, if the customer has not activated the credit card, and the card belongs to the type of non-activation and no annual fee, it is no problem to put it aside; If it is a hard annual fee card, there will be a charge if it is not activated. Even if the customer does not activate, it will not repay on time after deducting the annual fee, which will lead to adverse effects after the deadline.

What should I do if the annual credit card fee is overdue?

If the annual credit card fee is overdue, the customer should pay off the arrears quickly to minimize the adverse effects caused by overdue. After paying off the debt, the customer will take the time to repair the credit damaged by overdue.

What we need to pay attention to is that if you are overdue, you will continue to incur penalty interest, and will leave serious bad information in the credit report, resulting in personal credit damage, and then the credit card is likely to be reduced or even frozen, resulting in no longer being used.

Of course, after the annual fee is deducted from the credit card limit by the bank and included in the bill, the customer should remember to repay on time and try to avoid overdue.

In fact, some credit cards are not hard annual fees. As long as the customer swipes the card for a specified number of times or amount during the annual fee period, the annual fee can be waived. Others can be exchanged for points. After the annual fee is reduced, customers naturally don't have to worry about overdue because they haven't paid the money yet. So in the final analysis, if the credit card is not used, it is better to cancel it as soon as possible to avoid unnecessary trouble.