After the credit card is opened, there will be an annual fee. It is necessary to determine the reason for freezing to confirm whether there is an annual fee, but most of them will generate an annual fee, whether it is frozen or not. Even if the credit card is frozen after opening, there will still be an annual fee, which will be included in the credit card arrears. If it is not returned immediately, it will be overdue and will be recorded in the cardholder's personal credit report, which will affect the cardholder's future credit card and loan application.

After the credit card is opened, if you want to avoid the annual fee, you can keep swiping your card more than 6 times a year. This is the regulation of major banks. There is no annual fee for the first year of card opening, so don't worry. If the card is frozen after opening, remember to find out the reason and apply for unfreezing in time. After the credit card is frozen, you should pay off all the arrears including interest as soon as possible, call the credit card center to explain the situation and apply for opening. There should be no need to provide any materials. Never cancel your account, continue to use it for at least 2 years, and try to put an end to the above situation. If you can't repay in full before the due date, you can only repay the minimum amount, so as not to affect your credit status. If this happens, it is recommended to call the issuing bank as soon as possible.

Credit card activation process

1. Credit card customer service phone activation

2. Call the 24-hour customer service hotline displayed on the back of the credit card and enter the cardholder's card number and inquiry password.

3. According to the voice prompt, select credit card activation to activate successfully.

4. Credit card online activation credit card: 1. First, log in to the online banking page of the issuing bank's credit card and enter the cardholder's card number and inquiry password; 2. Find the "Credit Card Activation" page, enter the reserved phone number and other verification information according to the page prompts, and verify the identity to successfully activate the credit card. 3. Activate the credit card at the bank outlet counter: activate the credit card at the bank outlet and follow the instructions of the counter staff.

What's the use of credit cards?

1. Relieve economic pressure.

2. Little or no gratitude.

3. You can add points to your credit information.

4. You can make rational use of rules and activities and receive gifts from banks for free. For example, some banks can receive several thousand yuan of suitcases (new users) for free.

5. Reasonable use of credit cards can establish good consumption habits.

There are many advantages to swiping a credit card, such as 50% discount for eating in some banks, 20% discount for buying one at Starbucks and 20% discount for refueling.