China Banking Regulatory Commission stipulates that credit cards are not allowed to charge any fees without the activation of the cardholder. However, the regulations cannot cover all situations. At the same time, the regulation points out that "under special circumstances, the cardholder alone authorizes the deduction of fees in a way recognized by both the cardholder and the issuing bank, except that the creditor-debtor relationship has been formed when the card is exchanged.

Some banks charge fees if they don't open platinum cards and special cards. For example, some banks' "star cards" are made of good materials and have many functions. Therefore, the cardholder must swipe the card once 60 days after the credit card is approved, otherwise, even if the card is not opened, the 40 yuan handling fee will be charged.

If the bank claims that the salesman has informed the cardholder that the credit card belongs to the special card when handling the card, and the payment is not activated, then the bank must provide the proof that the cardholder authorizes the bank to deduct the fee through written or electronic signature, or provide the telephone recording of the relevant customer service center.