Every bank has different regulations on the charge of credit card. Some banks stipulate that there is no charge for not opening the card, and some banks are free in the first year, and they will charge if they are not activated in the second year. Some banks stipulate that fees will be charged if you don't open the card, and so on. Citizens must ask clearly when they apply for a card.
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Precautions for credit card use
1. If you have more than three credit cards in your bag, you should consider slimming down. There are more credit cards in different banks, and the amount used will also increase. Therefore, in order to rationally consume and ensure the safe use of credit cards, it is recommended not to handle too many credit cards and meet the daily use.
2. If there are many credit cards, it is easier to confuse the date of the bill. You know, whether you send an electronic bill or a paper bill, you may make a mistake. Don't think that if you don't receive the bill, you will default to no debt in the current period. If you can't remember the bill date, you'd better set a reminder time for each credit card bill date.
3. If the credit card is not cancelled, disposing of the card at will will easily lead to overdue and affect the credit record. Therefore, even if you don't use a credit card, as long as you activate it, there will be an annual fee. Although banks have an annual fee-free policy, they are all conditional. Usually, the cardholder needs to pay a certain amount or number of transactions within one year, otherwise the annual fee will be charged as usual.
4. Some people will deposit money into a credit card like a savings card, which will have interest, but the credit card will not only have no interest, but also pay a handling fee to the bank if you want to withdraw money, so don't be stupid enough to deposit money into the credit card and withdraw it when necessary.
Do you charge an annual fee if the public network-Minsheng Bank credit card is not activated?