What does the annual credit card fee mean?

Question 1: What does the annual credit card fee mean? Refers to the way and standard of annual fee collection.

The annual fee collection policy of each bank is different. In addition, even credit cards issued by the same bank will be differentiated according to the level of the card. Most of them are exempted by trading a certain number of transactions, not the amount. Take my CCB credit card as an example:

CCB credit card ordinary card, the annual fee of the main card is 80 yuan, and the deputy card is 40 yuan;

Gold master card: master card 160 yuan, and deputy card 80 yuan; Both of them are free of annual fees by swiping the card or withdrawing cash (unlimited amount) three times a year.

Titanium Gold Platinum Card: the main card is 380 yuan, and the auxiliary card is 180 yuan. There is no annual fee for spending by credit card or withdrawing cash 6 times a year (unlimited amount). (This is a preferential annual fee policy until 17 12 3 1).

Annual fee of standard platinum card: 580 yuan as the main card and 300 yuan as the auxiliary card. Annual fee is free for spending or withdrawing 10 cash (unlimited amount) by credit card every year.

There are also some special cards, such as car cards and 200 yuan annual fee, which will be collected as long as the card is opened, and no matter how many strokes are swiped. However, this card service is also good, which can offer preferential car washing, oil change with points and free road rescue.

Last year's football World Cup credit card and Olympic Dragon Card were free of annual fee during the validity period (14 12 3 1 before).

Therefore, it is suggested that the landlord can log on to the bank's website and usually publicize the charging standard. Of course, you can also call the bank's customer service hotline to confirm, which will be more targeted.

Question 2: How much is the annual credit card fee? Hello, the annual credit card fee of China Merchants Bank is RMB 100/year, and the gold card is 300 yuan/year. The annual fee is charged once a year. If you apply for two cards or supplementary cards at the same time, the annual fee for the second card or supplementary card is 1/2 of the first card. The annual fee is calculated from the issuing date of your card (the validity period under the credit card number, and the previous date is the issuing date), which is not a natural year.

If you successfully apply for China Merchants Bank Credit Card (Unlimited Card/Platinum Card/Corporate Card /ANA Co-branded Card /VISA MINI Card /MSN)

Mini Card/Fashion Titanium Card /HELLOKITTY Fan Gold Card/Miss

Except for KITTY perfume credit card), the annual fee for the first year will be paid in advance by China Merchants Bank credit card or partners, and the annual fee for the next year can be reduced if you spend six times in a single year (from the date of spontaneous card issuance, non-natural year). And this offer is valid for a long time before the change notice of the new annual fee preferential policy.

Question 3: Generally, you will not be informed how much credit card fees will be deducted each year for two years. When you apply for the card, it is stated that the annual fee is free in the current year, and the annual fee is free in the following year if you brush it enough times a year. You must not have brushed enough last year. The annual fee of 100 is not very high, and some gold cards have an annual fee of several hundred.

Question 4: How much is the annual fee free of credit card for life? You get convenience by using the bank's credit card service, and naturally you have to pay a certain service fee to the bank. This is usually an annual fee, which is collected once a year. Pukajinka is about 100-300. However, in order to promote credit cards, banks generally charge ordinary cards and gold cards three or five times to avoid the annual fee of the year.

In some cases, you may have some cards that can't guarantee consumption every year for various reasons, and you hold more than one card of the bank. At this time, the bank will exempt you from the annual fee for life. For example, the EMV chip card of Bank of China is only used in VISA or Master channels, so it is not convenient to swipe the card in China, so the Bank of China is free of annual fees for life.

In addition, for example, if you have an ordinary card or a gold card, but apply for a platinum card, the bank will waive the annual fee for you for life in order not to let you sell your previous card.

Question 5: What credit card has an annual fee lower than 1? ICBC, ABC, BOC, CITIC, Minsheng, Xingye, Guangfa and Huaxia have not activated the annual fee exemption;

2. CCB and China Everbright are exempt from annual fees in the first year, and they are exempt from annual fees for spending three times in the following year;

3. Bank of Communications and China Merchants Bank are exempt from annual fees in the first year, and they are exempt from annual fees in the following year after spending 6 times by credit card;

4. Pufa is exempt from the annual fee in the first year, and the annual fee for the next year is exempted when the credit card consumption reaches 2000 yuan.

Do it if you think it's cost-effective. .

Tell you a secret. . After you use your card for a period of time, call the customer service to cancel it. In order to keep you from canceling, the customer service of China Everbright Bank can actually make your card free of annual fees forever. I tried. . .

Question 6: How to collect the annual credit card fees of banks is for reference only:

Four state-owned banks:

China Construction Bank:

Advantages: 1, free of annual fee in the first year, and free of annual fee in the second year after brushing three times;

2. SMS service is free;

3. The withdrawal fee is only 0.5%;

4. Report the loss of 50 yuan;

5. There is a direct credit card for the owner.

As long as there are cars with a displacement of more than 1.4, they can be easily licensed.

Disadvantages: points can be exchanged for less and worse gifts.

Bank of China:

Advantages:

1, the annual fee for the first year is exempted, and the annual fee for the second year is exempted after five swipes;

2. SMS service is free;

3. The withdrawal fee is only1%;

4. The loss reporting fee is only 40 yuan.

Disadvantages: Gift redemption requires high points and few types of gifts.

ICBC:

Advantages:

1, American express card is swiped 5 times a year, or the annual fee of the current year is exempted for spending 5,000 yuan, or it is redeemed with 2,000 points.

Annual fee of RMB Puka for one year;

2. The withdrawal fee is free;

3. The overpayment will be recovered free of charge;

4. Only 20 yuan is needed to report the loss;

5. There are many exits

Disadvantages:

1, SMS service fee 2 yuan/month;

2. The points needed to exchange gifts are high, and there are few kinds of gifts.

Agricultural Bank:

Advantages:

1, the annual fee for the first year is exempted, and the annual fee for the second year is exempted after five swipes;

2. SMS service is free;

3. The withdrawal fee is only1%;

4. The loss reporting fee is only in 50 yuan;

5. There are many exits

Disadvantages:

1, there are fewer types of credit cards;

2. The card processing procedure is relatively complicated;

3. Less points can be exchanged for gifts.

Other commercial banks

China Merchants Bank:

Advantages:

1, free of annual fee in the first year, and free of annual fee in the second year after brushing for six times;

2. SMS service is free;

3. Report the loss of 60 yuan;

4, the overall gift is better

Disadvantages:

1, and the withdrawal fee is 3%;

2. Less exports

China CITIC Bank:

Advantages:

1. Within one month after issuing the card, the annual fee of the first year is exempted once and the annual fee of the next year is exempted five times;

2. SMS service is free;

3. Send an accident insurance.

Disadvantages:

1, and the withdrawal fee is 3%;

2. Less outlets;

3. The loss reporting fee is high in 80 yuan;

4. There are many gifts, but the requirements are high.

Industrial Bank:

Advantages:

1, exempt from the annual fee for the first year, and exempt from the annual fee for the next year if you brush it for five times or spend 3000 yuan;

2. 50 yuan is needed to report the loss.

Disadvantages:

1, SMS service fee 3 yuan/month;

2. Withdrawal fee of 3%;

3. Less exports

Bank of Communications:

Advantages:

1, Y-POWER card is free of annual fee in the first year, three times in the second year, and six times in other cards;

2. SMS service is free;

3. The withdrawal fee is only1%;

4. 50 yuan is required to report the loss;

5. There are more outlets than other non-state-owned commercial banks;

6. There are more gifts that can be redeemed for points.

Disadvantages: I haven't seen it yet.

Guangfa Bank:

Advantages:

1, free of annual fee in the first year, and free of annual fee in the second year after brushing for six times;

2. The overpayment will be recovered free of charge;

3、......& gt& gt

Question 7: What do you mean by free annual fee for credit card? Calculate,

Even if you brush it three times a day, there is no limit to the amount.

However, some banks have to swipe their credit cards five times (or more) before they are exempted from the annual fee.

Question 8: How to calculate the annual credit card fee of CCB? Generally, the annual fee for the main card is 80 yuan, and that for the auxiliary card is 40 yuan. Gold card main card: 160 yuan, auxiliary card 80 yuan; Both of them are free of annual fees by swiping their cards or withdrawing cash three times a year.

Annual fee of standard platinum card: 580 yuan as the main card and 300 yuan as the auxiliary card. Credit card spending 10 cash is free of annual fee every year.

There are also some special cards, such as car cards and 200 yuan annual fee, which will be collected as long as the card is opened, and no matter how many strokes are swiped. However, this card service is also good, which can offer preferential car washing, oil change with points and free road rescue.

Therefore, how to collect the annual fee of the landlord's card depends on the type of card.

Question 9: What exactly does the first year of credit card free of annual fee mean? Brush the number of times he wants every year, so you don't have to pay the annual fee? This is easy to understand, that is, you don't have to pay the annual fee in the first year, and you don't have to pay the annual fee in the second year if you meet the requirements.

However, there is a misunderstanding about this bravery. You have to understand, otherwise you don't know how to charge the annual fee.

Under normal circumstances, the person who handles the credit card publicizes that you don't need to pay the annual fee for one year from the date you open the card to the day before the next year's card opening date. If you don't open a card, you won't charge an annual fee.

But the actual calculation is not based on the date of card opening, but on the month when your credit card is valid. For example, your credit card is valid for 09/ 16. Explain that your credit card is valid until September 20 16, so the annual fee of this card is settled in September every year. This must be clarified.

In addition, whether to reduce the annual fee for the following year. It also depends on the type of card and the requirements of the issuing bank. At present, the bank is in a mess. Like attracting investment, it is swiped n times (I forgot, it seems to be six times), and there is no limit on the amount and merchants, and the annual fee is free. Pufa, on the other hand, must be at least 5 years old a year, and it must be divided into 5 months, and it must be a merchant with points. What a freak ~