Is it useful for Industrial Bank not to refund 12345?

Useful. It is useful to complain about the deduction of annual fees from Industrial Bank. If you find that the annual fee of Industrial Bank Card account is unreasonable, you can directly complain to the bank customer service, and the complaint needs to provide relevant evidence and materials. 12345 government service hotline refers to the public service platform set up by local municipal people's governments, which consists of telephone 12345, mayor's mailbox, SMS, mobile phone client, Weibo, WeChat, etc.