How to refund the annual credit card fee?

Generally, the annual fee of credit card that can be refunded is mostly the annual fee that can be reduced or exempted for the number of swipes. Users who meet this situation, after discovering that the annual fee has been deducted, can call the credit card customer service hotline of the issuing bank to explain the reasons and needs to the customer service, and ask for a refund of the annual fee after completing the number of swipes. There are some special card annual fees or annual fees deducted from points that cannot be refunded, such as the rigid annual fee for platinum cards.

Under normal circumstances, the annual fee deducted by credit card can be returned by contacting customer service. Apply to customer service through the credit card customer service hotline for the number of times to make up the brush, and refund the annual fee. If the bank agrees, the annual fee must be paid off first. After all, the annual fee that has been charged must be paid back, otherwise it will be overdue; Then use a credit card to make up for the number of swipes.

It should be noted that not all annual fees can be refunded, such as the rigid annual fee for platinum cards, the annual fee for some special cards, or the annual fee deducted from points. Generally, most of the annual fees that can be refunded can be reduced or exempted through the number of swipes, which is in line with this situation.

Most bank credit cards have an annual fee, and only a few credit cards offer a lifetime free annual fee discount. According to different banks, different card types and grades, the annual fee of credit cards is different. For example, the annual fee of China Industrial and Commercial Bank is 50 yuan, and the annual fee of gold card is 100 yuan.

Many cardholders have a misunderstanding about the time when the annual fee is charged. They think that the annual fee charged by credit card is the same as that charged by debit card at a fixed time. That was not the case. The annual fee for most credit cards is one year from the date of card verification to the second day of the following year.

For example, the validity period of the front of the card is 06/ 15, which means that the card is valid until June 20 15, so the annual fee is usually collected on a certain day in June every year. However, some banks, such as China Construction Bank and China Guangfa Bank, have a one-year period from the day the cardholder opens the card to the next day. In the former case, the cardholder does not open the card within the first year after applying for a credit card, and only opens the card in the second year, and the annual fee is charged directly. Therefore, cardholders must pay attention to it, and it is best to call the credit card customer service center of the issuing bank to ensure that there will be no mistakes.