If you are an old credit card user, you must know that after activating the credit card, you must brush the minimum number of times limited by the credit card. If it is not enough, you will be deducted the annual fee. However, there are many new users who don't know much about it, and it's hard to understand that the annual fee has been deducted. So the following small make up to introduce the annual fee of bank credit card and the deduction time.
How much is the annual charge of bank credit card
The annual fee standard of different banks is different. In general, the higher the level of credit card, the higher the annual fee. The annual fee of general card and gold card is 100-150 yuan; the annual fee of gold card is 300-500 yuan, and the annual fee of platinum card is more than 1000 yuan.
However, in order to encourage cardholders to use credit cards for consumption, the bank will introduce a policy of free annual fee for the accumulated number of times of swiping cards
1. After the opening of ordinary and gold credit cards, the annual fee is generally free in the first year, as long as you spend a certain number of times this year, the annual fee in the next year will be free;
2. Some platinum credit cards will not be free of annual fee, because such platinum cards will provide cardholders with some special benefits with high cost. There are also some large platinum cards, which are not free of annual fee, but require the annual fee to be free only when the amount of the card reaches a certain standard.
Deduction time of bank credit card annual fee
The deduction of credit card annual fee basically depends on the activation date of your card. When you activate the card, the annual fee will be collected on this date of the next year.
For example, if you activate the card on June 6, then generally your card will charge an annual fee on June 6 of the next year.
Although most banks adopt this method to collect the annual fee, there are exceptions. For example, the credit card of China CITIC bank collects the annual fee 60 days after you open the card.
Finally, we need to remind you that there are many rumors that some credit cards will generate annual fees even if they are not activated. However, according to relevant regulations, banks do not have the right to deduct annual fees when the credit card is not activated. Of course, it is better to cancel the credit card if it is not used.