随着信用卡在生活中的普及,纠纷逐渐增多,未激活也要收年费,令许多消费者诟病。本文从附条件合同、格式合同解释和格式条款效力角度分析,认为未激活信用卡不应收费. With the popularization of credit cards in life, the disputes have gradually increased and the annual fee has not been activated, which has caused many consumers’ criticisms. This article analyzes the conditional contract, the format contract interpretation and the validity of the format clause, and considers that the credit card should not be charged if it is not activated.