If the credit card of Bank of Communications is not activated, there is no annual fee. \x0d\ If you need to use it, you can log on to the website of the Credit Card Center or call the customer service hotline for manual service to complete the card opening. \x0d\ The expired credit card has not been activated, so it will be cancelled and can no longer be used. \x0d\ CBRC stipulates: "Before the cardholder activates the credit card, the banking financial institution shall not deduct any fees, except that the cardholder authorizes the banking financial institution to deduct fees by means of telephone recording or written electronic signature of the customer service center."