4hw.com.cn: credit card, also known as credit card, is a non cash transaction payment method and a simple credit service. So do you know how to collect the annual fee of bank credit card? Today, Xiaobian will talk with friends about the complete policy of exemption of annual fee of credit card of 14 banks in 2018.
ICBC: the total consumption points of Shanghai Peony unblocked card and peony platinum credit card have reached 4 million, and other credit cards have been used for 10 years without annual fee for life.
BOC: free of annual fee for life of full currency international chip card, free of annual fee for next year for 5 times of Bank of China Series card swiping.
ABC: ABC Jinsui QQ joint IC card is free of annual fee for life, and other card types are free of annual fee for the next year if they are used for 5 times.
CCB: Visa card, MasterCard, Red Cross co branded card and business card are free of annual fee, and other Jinpu cards are free of annual fee for three times.
China Merchants Bank: all currency credit card, Samsung and Olympic visa small card are free of annual fee for life, and other gold and Pu cards are free of annual fee for six times.
SPD: except for some high-end cards, almost all products are free of annual fee.
Bank of Communications: UnionPay business card is free of annual fee, and other Jinpu cards are free of annual fee for six times.
CITIC: free of annual fee for blue card, free of annual fee for next year for other Jinpu card swiping or cash withdrawal transactions for 5 times.
Everbright: free of annual fee for three times.
Huaxia: 5 times of card swiping or cash withdrawal transactions are free of annual fee of the next year.
People's Livelihood: 8 times of swiping card is free of annual fee of the next year.
Xingye: 5 times of swiping card free of annual fee of the next year.
Guangfa: free of annual fee for the next year for 6 times of swiping.
Ping An: 6 times of swiping is free of the annual fee of the next year.
1. When will the bank collect the annual credit card fee?
If it's a first-year credit card, the annual fee will be charged the next day the card is activated. If it is a credit card that can be exempted from annual fee, it is generally exempted in the first year, and charged at the end of the next year or at the end of the natural year or at the end of the actual one-year period. The provisions of each bank are different.
2. What should I do after the annual fee of credit card is withheld?
In some cases, the cardholder does not brush enough times or amount of the annual fee free, resulting in the bank charging the annual fee. In this case, the cardholder can take the initiative to contact the issuing bank and ask the bank to give a certain period of exemption. Within the period of exemption, the bank can refund the annual fee collected.
3. How about the annual fee when holding multiple cards at the same time?
Multiple credit cards of the same bank are collected separately, and each card must be swiped enough times.
Summary: the annual fee, billing date and final repayment date of credit card are the three most basic entry times of credit card. Xiaobian reminds friends that the annual fee of credit card is the easiest problem to solve, but the billing date and the final repayment date of credit card are more likely to make friends have unexpected overdue of credit card. Xiaobian reminds friends that it is necessary to register and remind their own credit cards, because according to incomplete statistics of Xiaobian, more than 70% of overdue credit is caused by forgetting the final repayment date. So Xiaobian reminds friends to do a good job in registration, so as not to let themselves fall into the unexpected overdue. I hope this information will help my friends.