How does China Everbright Bank deduct the integral annual fee?

You can accumulate points after spending with a credit card. Generally speaking, credit card points can be exchanged for various gifts in integral mall. Other banks also support the use of credit card points to offset the annual fee, but the proportion of points offset the annual fee varies from bank to bank. How about the annual integral fee of China Everbright Bank? * * * Let's study together.

How does China Everbright Bank deduct the annual fee for points?

If users want to exchange credit card points of China Everbright Bank for annual fees, there are two main channels. One is to directly call the 24-hour global VIP service hotline of China Everbright Bank, and directly apply for deducting the annual fee with points after transferring to manual customer service; Second, China Everbright Bank will send the information to the cardholder on the 20th of the month when the annual credit card fee is generated. If the cardholder points to credit, the cardholder can directly complete the annual credit through SMS.

Credit card points offset the annual fee. According to different credit card grades, the provisions for offsetting the annual fee are different. CITIC Puka, Gold Card and Titanium Card all enjoy the annual fee-free policy in the first year. If the annual consumption frequency reaches the standard, the annual fee for the next year can be exempted, and there is no need to offset the annual fee with points. Only platinum cards generally need points to deduct the annual fee. According to the regulations, the annual fee of Platinum Card is generally 1 188 yuan/year. In the first year, you can use 65438+ 10,000 points to deduct the annual fee of 688 yuan, and the remaining 500 yuan will be deducted by the cardholder. In the non-first year, 200,000 points can be deducted from the full annual fee.