How to check the annual credit card fee of Minsheng Bank?

Minsheng Bank Credit Card Annual Fee Inquiry Method:

1. Inquire through online banking of Minsheng Bank. After logging in to online banking, you can query information such as credit card annual fee by entering user name, password and verification code. (browser computer: macbookpro mos 14 open Google version 92.0.4515.131).

2. Call the customer service telephone number of Minsheng Bank at 95568 for inquiry. Call credit card customer service, and then switch to manual service. Enter the card number and other information as required to query the annual fee.

3. Check the credit card statement. The bank will list the annual fee and amount separately on the statement, and the cardholder can understand his annual fee standard through the statement.

First, the credit card annual fee rules

Credit card annual fee rules refer to some corresponding provisions of credit card annual fee. Before the cardholder activates the credit card, the bank shall not charge an annual fee. But most people know little about the annual fee rules of credit cards in different banks. The annual fee of credit card is mostly around 100 yuan, and some banks stipulate that the annual fee can be waived by swiping it three times a year.

Second, the credit card free annual fee rules

Cardholders generally believe that credit card agents are exempt from annual fees in the first year, but not all cards are exempt from annual fees in the second year when their credit cards reach a certain standard. For example, ICBC's credit card does not charge an annual fee in the first year, but it needs to be swiped five times or spend more than 5,000 yuan to avoid the annual fee for that year; According to the regulations of China CITIC Bank, the annual fee for the first year can only be waived if you swipe your card once in the first month after issuing the card.

In the rules of exempting the annual fee for the following year, some banks stipulate that the annual fee for the following year can be exempted as long as the card is swiped more than three times, and some banks stipulate that the number of swipes is more. For example, SDB credit card stipulates that the annual fee for the following year can only be waived if you swipe your card 18 times. Most banks, such as ICBC, Agricultural Bank, Bank of China, Bank of Communications, China Merchants Bank, etc. Free of 5-6 annual fees.

Silver rate network financial planner pointed out that because the annual fee is not the main source of income for domestic credit card issuers, banks generally stipulate that the annual fee will be exempted only after a certain number of swipes, and there is no limit on the amount. However, banks that limit consumption quotas are not without them. As stipulated by Shanghai Pudong Development Bank, the annual fee for the following year can be exempted if the consumption reaches 2000 yuan or above.

In addition, it is particularly noteworthy that the annual fee-free rules of banks are not immutable. Generally, the annual credit card fee is based on the collection time of the annual fee in the first year, and it is pushed back to 12 months, which is the collection time of the annual fee in the next year.