This situation needs to be judged based on the content of the contract.

If the contract stipulates that the credit card is valid only after activation, you can file an objection; if the contract stipulates that the credit card is valid without activation, overdue records caused by the deduction of annual fees do not fall within the scope of objection application acceptance.

If you have objections to your credit report, you can go to the People's Bank of China to get a personal credit report and apply for an objection. However, when applying for an objection, you must be firm and explain that you deny that the overdue payment occurred. The overdue payment shown in the letter is due to a purely cost-based overdue payment (annual fee), not an overdue payment due to the person's active consumption transactions.