If the China Merchants Bank credit card is not activated after application, certain fees may be incurred. The first concern is the annual fee. For standard credit cards, there is no annual fee if not activated. However, for special cards such as platinum cards, if they have been signed and confirmed when applying, you may need to pay an annual fee or a production fee even if they are not activated. Take the Classic Edition of China Merchants Bank’s Platinum Credit Card as an example. Its annual fee is as high as 3,600 yuan, which can only be deducted by accumulating consumption of 10,000 yuan or accumulating 10,000 points.

China Merchants Bank’s credit card annual fee exemption policies are somewhat different. For example, ordinary cards and gold cards can be exempted from annual fees after meeting a certain number of card swipes, but high-end cards such as platinum cards and unlimited cards are exempt from annual fees. Do not take advantage of this offer. Business credit card policies are governed by the agreement. In terms of cash withdrawals, each domestic cash advance transaction will be charged an amount of 1, with a minimum of 10 yuan, while overseas cash withdrawals will be charged with a fee of 3, with a minimum of 3 US dollars or 30 yuan. Once a cash withdrawal operation is performed, fees will be incurred regardless of whether it is in the same city or in another place. .

Therefore, in order to avoid unnecessary fees and possible bad credit records, it is recommended that after applying for a China Merchants Bank credit card, you activate it in time according to the specific card type regulations and pay attention to the relevant fee policies. If you are unsure, it is best to consult your bank’s customer service directly for accurate information.