There is no need to complain, this is written in black and white on the contract and cannot be changed

If the annual fee is overdue, go to the credit bureau.

Although most banks charge annual fees only after the credit card is activated, there are also special circumstances. For example, Xingye's Xingyoubai will charge an annual fee once the card is issued, regardless of whether it is activated or not.

It doesn’t matter whether you open a card or not, as long as you haven’t paid the annual fee, your credit report will be overdue. It's useless for you to complain. The bank's terms and conditions are written in black and white, and you won't be able to handle the matter when it comes to the banking regulator.

Extended information:

After the credit card is approved, whether you activate it or not, it will be reported to the credit report. If you are on the credit bureau, you will have an extra credit agency. Many banks are particular about the number of credit institutions. For example, you have 10 credit cards, 6 of which are in use and 4 of which have low credit limits and are not activated.

If you apply for a new card, the bank will see that you have cards from 10 banks, and the approval will be difficult. If you cancel those 4 cards, there will only be 6 banks in your credit report, and the probability of getting the card will be much higher.

When the bank approves the credit limit, it will refer to the credit card credit of other banks. Inactive cards are usually low-limit cards. For example, the credit cards that Xiao Ming uses are all worth more than RMB 30,000, and neither GF’s 3K nor Agricultural Bank of China’s RMB 500 are open. But from the bank's perspective, your minimum credit limit is 500, so it would be good for me to give you 3,000.