Don't worry about the annual fee deduction. Is the annual fee charged by natural year? That is to say, no matter when you apply for a card, the bank will wait until this time next year to see if the number of swipes is enough (accurately speaking, it should be counted from the date of card opening, and one year after 12 months, which is the standard of CBRC). If it's enough, it won't be deducted, and it won't be deducted again. Therefore, as long as you spend enough before the end of next year, you won't deduct money.

As for the success rate, you said that the bank didn't want you to fill in that information. I wonder if the lobby manager also needs Dora's business. She'll fix it for you. . I think you have a good chance of success.