The annual fee for credit reporting is overdue.
Although most banks charge an annual fee only after the credit card is activated, there are special circumstances. If Industrial Bank is free, once the card is issued, an annual fee will be charged regardless of whether it is activated or not.
No matter whether the card is opened or not, as long as the annual fee is not paid, the credit will be overdue. It's no use complaining. The terms of the bank are written in black and white, and you don't care if you go to the bank for supervision.
Extended data:
After the credit card is approved, whether you activate it or not, you must go to the credit bureau. When you go to the credit bureau, you have an additional credit institution. Many banks are very picky about the number of credit institutions. For example, you have 10 credit cards, of which 6 are in use and 4 are too low to be activated.
If you apply for a new card, it will be difficult for the bank to approve it if it sees that you have 10 banks to handle the card. If you sell those four cards, there are only six banks on the credit report, and the probability of getting the cards is much greater.
Banks will refer to other banks' credit cards when granting credit cards. Cards that are not activated are usually low-value cards. For example, Xiaoming used more than 30,000 credit cards, while Guangfa's 3K and ABC's 500 were not opened. But in the bank's view, your minimum credit is 500, and I'll give you 3000.