Is there an annual fee for bank cards?

If the bank card has an annual fee, the annual fee of the bank card is as follows: 1. Bank Debit Card: According to the relevant regulations of the People's Bank of China, the same person can only open one L-type debit card account in the same bank, and can apply for an account free of annual fee and small management fee. If you apply for a debit card from the same bank again, it can only be a second-class or third-class account. At this time, you will charge the annual bank card fee and small account management fee. 2. Bank credit card (credit card): All major banks will charge annual fees for bank credit cards, but there will be some policies to reduce or exempt annual fees, such as annual fee exemption in the first year, annual fee points redemption, and annual fee reduction and exemption in the next year.

1. savings bank card.

This kind of bank card usually only needs an annual fee of a few dollars or deducts a certain amount of SMS fee and management fee every month; The deduction of these expenses is often based on the deposit in the savings card.

Therefore, if there is no deposit in the savings card that needs to be deducted by the bank, the banking system will classify such cards as arrears. After a long period of non-use, the card will go into sleep. After the dormancy expires, they will be automatically cancelled by the bank, and these expired bank cards will not be taken back by the bank.

However, if you want to reuse the savings bank card that has entered the dormant period. Then, you must go to the bank to activate the card, and at the same time pay off the relevant fees owed by the bank card during sleep before you can reactivate it.

2. Lend a bank card.

This so-called lending bank card usually refers to our common credit card. Moreover, different banks and different grades of credit cards have different requirements for unpaid fees.

For example, some banks' credit cards can be exempted from annual fees if they spend a certain amount. So, if your credit card fails to exempt the annual fee through consumption; Moreover, if you don't take the initiative to pay the annual fee, the annual fee will always be in arrears. After a long time, it will be overdue and will be recorded in your personal credit record.

And if it is the fee owed by the credit card, the bank will contact you to urge you to pay; After repeated dunning is invalid, the bank will list your arrears as bad debts. This bad debt will remain in your personal credit report until five years after you pay off all the debts.