What happens if you don't pay credit card annual fee?

Hello! As mentioned by the others, this may result in interest charges and late fees. But yes, you can try to call your card issuer to waive the credit card fees. Simply call your bank's hotline and request for waiver.

It's billed as a card expense. So the interest rates and late fees apply. You can always call and ask for a waiver, most banks would waive without these days.