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Does Minsheng Elite Platinum Credit Card have a SMS reminder to deduct the annual fee?

People's livelihood elite platinum credit card deducted annual fee without SMS reminder.

Minsheng Bank Platinum Credit Card is not activated, and there is no annual fee.

Under normal circumstances, the annual fee will not be generated if the credit card is not activated. However, there are exceptions. Personal bank special credit card products are not activated, and there is an annual fee. In this case, it is likely that the credit card will be overdue due to carelessness, resulting in a bad credit record.

Even if there is no annual fee for credit cards, handling multiple credit cards will be recorded in the cardholder's personal credit information system. Under this premise, if the cardholder wants to apply for a new credit card or loan in the future, it may be affected. Banks will consider that cardholders have integrity or do not need to open multiple credit cards, otherwise the success rate of credit card loan approval will be reduced.