Why don't I have to pay the annual credit card fee?

How to waive the annual credit card fee? Annual fee-free plan inventory of major banks!

With the increasingly fierce competition of credit cards, banks have begun to use tricks to attract customers. As an annual fee that everyone cares about, banks have also formulated different annual fee-free schemes, and even some platinum cards can be exempted from annual fees. Many friends still don't know how to get rid of the annual fee. Let's take a look at the annual fee-free schemes of various banks!

1, Bank of China

Puka and Gold Card: free of annual fee in the first year, and free of annual fee in the following year after swiping the card for 5 times.

Platinum card: the annual fee for the first year is comprehensive. Brush 12 over 20,000 yuan can be exempted from the annual fee, or can be deducted with 65438+100,000 points. Applicable card types include UnionPay Platinum Card, Double Standard Platinum Card and Urban Colorful Platinum Card.

2. Agricultural Bank of China

Puka and Gold Card: the annual fee is free in the first year of card opening, and the annual fee is free in the next year after swiping the card for 5 times.

Platinum card: swipe your card 30 times a year, free of the annual fee for the following year.

3. China Construction Bank

Puka and Gold Card: 3 annual transactions (consumption/cash withdrawal) are exempt from the annual fee of the following year.

Platinum card: the annual fee for the following year can be exempted if the annual consumption or withdrawal reaches 10.

4. Industrial and Commercial Bank of China

Puka and Gold Card: Free in the first year, and the annual fee for the following year is exempted if the accumulated consumption is over 5 or the consumption amount is over 5,000 yuan.

Platinum card: the annual fee is 200,000 yuan and the annual fee is 4 million yuan.

5. China Merchants Bank

Puka and Gold Card: Spend RMB 6,000 to RMB 5,000 per year in any form, free of the annual fee for the following year, and can be purchased online.

Platinum card: you can use 10000 points to offset the annual fee. Although 20 yuan only has 1 integral, he has 10 times integral on his birthday.

6. China CITIC Bank

Puka and Gold Card: spend 1 time a month, free of the annual fee of the current year, swipe the card for 5 times, free of the annual fee of the next year.

Platinum card: the annual fee in the first year is inevitable, and the points can be deducted in the second year. For example, my Platinum Premium Card can earn 450,000 points or 220,000 points, 1000 yuan.

7. Shanghai Pudong Development Bank

General card and gold card: swipe the card 1 time within 2 months, free in the first year, and free of 5 swipes or 1 foreign currency consumption in the next year.

Small platinum: after activation, you need to pay the annual fee for the first year. If there are 18 valid transactions or the amount exceeds 50,000, you can waive the annual fee for the next year.

Here are some ways to avoid annual fees for credit cards, some of which are only for some types of cards. Please consult customer service for the specific annual fee standard and scheme.

How can I not deduct the annual fee from my credit card? Only do two things right.

The annual credit card fee is equivalent to the management fee, which is charged every year. Many card friends are unwilling to pay this fee and will ask how to avoid deducting the annual fee from credit cards. In fact, it is very simple, as long as you do two things, you can easily solve it. Let me give you a brief introduction. Card friends with similar questions may wish to learn about it together.

How can I not deduct the annual fee from my credit card?

1, handle ordinary credit cards.

Ordinary credit cards refer to credit cards below platinum cards, namely ordinary cards and gold cards.

Although Puka and Gold Card also have annual fees, the non-rigid annual fee will not be deducted if it is not activated after the card is issued. After general activation, as long as the annual fee is reduced or exempted before settlement, it will not be deducted. Platinum cards are mostly rigid annual fees. Even if the nuclear card is not successfully activated, the annual fee will be deducted, and most of them cannot be reduced.

2. Remember the settlement time of the annual fee.

After the ordinary credit card is activated, you should also pay attention to the deducted annual fee, because even if you can reduce the annual fee conditionally, the cardholder needs to meet this condition. The annual fee is not automatically reduced by doing nothing. Most ordinary credit cards only need to meet the standard before the annual fee is settled.

Therefore, the cardholder must first remember the settlement time of the annual credit card fee in his hand. Many banks take the card validity period as the standard, some take the card activation date as the standard, and some take the card issuance date as the standard. Please consult the issuing bank for details.

What if the annual fee is deducted?

The deducted annual fee is generally included in the arrears of the latest bill, and the cardholder must pay back the money before the end of the repayment date to avoid overdue.

If the annual fee is deducted from the non-rigid annual fee card, after the repayment is successful, call the bank customer service to ask if the annual fee can be refunded.

The above is the introduction of "How can I not deduct the annual fee from my credit card". I hope it helps you.

How to avoid the annual fee of credit card

Many friends will say, isn't it very simple to waive the annual fee for credit cards? Puka and gold cards are swiped enough times a year, and there will be no annual fee next year. This is a common annual fee-free method, but today we introduce the annual fee-free method, that is, through the deposit function of some special credit cards.

As we all know, most banks stipulate that the annual fee-free policy for ordinary cards and gold cards is to charge a certain number of fees to avoid lowering the annual fee for the following year. However, there are often card friends who are charged an annual fee for not paying enough times. If you have an IC credit card with deposit function, you can also save the annual fee by deposit.

So, how much is the deposit?

Many card friends may have never heard of this circle, so let's give you a popular science.

1: deposit is electronic cash micropayment.

2. For example, if you have a card limit of 10K, you can withdraw 1K and deposit it. The deposit limit is 1K, and the consumption limit is 300 per time.

3: You don't need to enter a password or sign for a deposit.

4. Deposit means saving money, and withdrawal means withdrawing money.

5. Money and details that can't be seen in online banking (so) can't be circled, so you can only go to the counter.

6: No reminder when swiping the card.

7: For example, if you have a card with a credit limit of 10K, take out 1K and deposit it, and your credit limit will become 9K. However, if you put money in, it must exceed 10K (that is, more money than deposited) to be considered overpaid, and then you can transfer it out, but as long as the balance exceeds 9K, it will be positive.

How to use the ring deposit without annual fee?

For the transaction of chip card of UnionPay credit card, different banks have different attributes, but for most banks, the nature of the deposit is consumption without points, but it will still be recorded in the bill and needs to be repaid on time.

Let's take Guangfa Bank as an example to illustrate. Guangfa Bank makes statistics on the consumption times of the deposit. The annual fee-free policy of Guangfa Bank's ordinary credit card is that you must swipe your card for six times to avoid reducing the annual fee for the following year.

If you don't use the card often, and you are afraid that you can't brush it, you can use the ring deposit skillfully to avoid reducing the annual fee. To do this specifically, as long as you deposit 0.0 1 yuan six times at the beginning of the year and then pay back 0.06 yuan before the repayment date, you can avoid reducing or exempting the annual fee. Personally consulting the credit card customer service of Guangfa Bank has been verified, and this method is feasible.

However, not all banks can avoid lowering the annual fee in this way. Take the Industrial and Commercial Bank of China as an example. Although the credit card limit will occupy the credit limit, it will not generate real transactions and there is no need to pay back the money. Only after the transaction is paid by electronic cash will the consumption times be counted.

How to avoid the annual fee for credit cards?

Some banks stipulate that the annual fee can be waived for six times, some banks stipulate that the accumulated consumption is more than 5,000 yuan, and some banks stipulate that the annual fee can be waived for more than 3,000 points. Faced with various rules of annual credit card fees in different banks, cardholders should first ask how high this "potential cost" is when they apply for a card.

Before the cardholder activates the credit card, the bank shall not charge an annual fee. Different types of credit cards have different ways to avoid annual fees. Generally, ordinary cards and gold cards can be directly exempted from the annual fee for the first year, and cardholders can also be exempted from the annual fee for the next year if they swipe their cards for a certain number of times. However, the annual fee of high-end credit cards such as Platinum Card is relatively high, and the relief measures shall be subject to the regulations of the issuing bank.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).

On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.

Product source:

Credit card The earliest credit card appeared at the end of 19. From 65438 to 1980s, the so-called credit card was developed in British clothing industry, followed by tourism and business departments. However, at that time, the card could only be used for short-term commercial credit, and the money had to be paid back as needed. There was no long-term default and no credit line.

Credit cards are generally plastic cards with a special carrier, with a length of 85.60 mm, a width of 53.98 mm and a thickness of1mm. The name of the card issuer, the expiration date, the number and the name of the cardholder are printed on the front, and the chip, magnetic stripe and signature strip are printed on the back. Cardholders can use credit cards to shop, spend money and deposit and withdraw cash from banks.

It is said that one day in 1950s, Frank McNamara, an American businessman, entertained guests in a restaurant in new york. After eating, he found that he forgot his wallet and had to call his wife to bring cash to the restaurant. He was deeply embarrassed, so McNamara came up with the idea of establishing a credit card company. 1 In the spring of 1950, McNamara and his friend Schneider jointly invested110,000 US dollars to establish DinersClub in new york, the predecessor of Diners Credit Card Company. Diners' Club provides members with a card that can prove their identity and ability to pay. With this card, members can spend money in 27 designated restaurants without paying cash. This is the earliest credit card. This kind of credit card, which does not need to be handled by a bank, belongs to commercial credit card.

How to avoid the annual fee for China Bank Credit Card?

China Bank UnionPay logo Jinpu Card is free of annual fee in the first year, annual fee in the second year, and annual fee is free for five purchases in that year. Except UnionPay, other card organizations apply for a single-label Jinpu card before 65438+February 3, 20201,and the annual fee is free within the validity period of the card. The UnionPay Platinum Card is exempt from the annual fee for the first year, and the annual fee for the next year is exempt when the consumption in that year is over 20,000 RMB equivalent and 12 transactions are completed.

The above contents are for your reference. Please refer to the actual business regulations.

Do I have to pay an annual fee for useless credit cards? A trick to teach you to reduce.

The annual fee is actually the management fee of the credit card, and it is also the premise of enjoying the rights and interests. There is a charge every year. However, many credit cards run by card friends generate annual fees, but they don't use cards, so they think they can not pay them. If you really do this, the consequences will be very serious. It is better to see if there is any way to reduce it.

Do I have to pay an annual fee for useless credit cards?

As long as the credit card has not been cancelled after successful processing, whether it is used or not, the annual fee must be paid within the specified time.

You don't have to be so entangled, this is actually similar to many of our life scenes. For example, the residential property fee can be collected monthly or annually, but it won't be stopped because you don't live in the residential area; Another example is the parking fee, which is charged by day, month and year, and will not be reduced or exempted because you didn't stop this month.

However, the annual credit card fee is generally deducted from the amount. After deducting the fee, everyone will pay the fee for repayment on time. Of course, if the annual fee is reduced or exempted during the annual fee period, there is no need to pay the annual fee. Here, I would like to remind everyone that after the credit card generates an annual fee, remember to repay it, otherwise it will affect the credit information and will be charged with penalty interest and liquidated damages.

If you feel that the annual credit card fee is unfair, you can call the bank to consult customer service after repayment, and whether you can refund the annual credit card fee. Under normal circumstances, the non-rigid annual fee card can be refunded as long as it meets the bank conditions after deduction. For example, Puka and Gold Card only need to be replenished several times, and the bank will refund the annual fee when it reaches the standard and include it in the first bill.

In short, no matter whether the credit card is used or not, the annual fee must be paid, but the deducted annual fee can also be returned, and the annual fee reduction conditions must be met in advance.

Why not pay the annual credit card fee? Let's stop here.