/zh-tw/tags/free-annual-fee/Recent content in Free-Annual-Fee on 日本信用卡、手機支付與積分獎勵指南Hugo -- gohugo.iozh-twMLI PaySun, 01 Mar 2026 13:05:00 +0900/zh-tw/credit-card/the-%E6%B3%A8%E6%84%8F%E4%BA%8B%E9%A0%85-of-no-annual-fee-credit-cards-and-%E5%A6%82%E4%BD%95-%E9%81%B8%E6%93%87-one/Sun, 01 Mar 2026 13:05:00 +0900/zh-tw/credit-card/the-%E6%B3%A8%E6%84%8F%E4%BA%8B%E9%A0%85-of-no-annual-fee-credit-cards-and-%E5%A6%82%E4%BD%95-%E9%81%B8%E6%93%87-one/<img src="/img/thumbnail/pitfalls-no-annual-fee-credit-cards-zh-tw.png" alt="Featured image of post The 注意事項 of No-Annual-Fee Credit Cards and 如何 選擇 One" /><p>While &ldquo;No Annual Fee&rdquo; sounds incredibly attractive, not all free credit cards are created equal. Some contain hidden traps that beginners easily 秋季 into. 在本指南中, we break down these hidden pitfalls and show you how to select a genuinely safe and cost-effective card.</p> <h2 id="hidden-pitfalls-of-free-credit-cards">Hidden Pitfalls of Free Credit Cards </h2><h3 id="1-the-trap-of-conditional-free-fees">1. The Trap of &ldquo;Conditional Free&rdquo; Fees </h3><p>Some cards are only free for the first year, or require you to use the card at least once a year to waive the annual fee. If you throw it in a drawer and forget it, you might get charged.</p>