Shengjing bank credit card is useless for one year, and the service fee has been deducted.

If you don't use a credit card, it doesn't meet the conditions for reducing or exempting the annual fee. If the bank deducts the annual fee, if the issuing bank stipulates that the annual fee can be refunded by supplementing the number or amount of swiping the card, the customer can swipe the card within the specified time. The bank will refund the annual fee later as long as the number of swipes or the amount is sufficient.

The answer is for reference only.