How to check the annual fee of ICBC credit card?

ICBC Credit Card Annual Fee Inquiry Method

Search in the browser and open ICBC official website.

Browser computer: macbookpro mos 14 open Google version 92.0.4515.131.

Click personal online banking to log in. If it is an enterprise, you can log in to the enterprise online banking.

Enter the user name, password and verification code, and generally choose the standard version to log in.

Enter the welcome page and pay attention to whether the reservation information is the same as you set. If they are the same, find the "Credit Card Service" menu and click Enter.

Enter the basic information page, select the credit card to be queried, and click "More" on the far right to open the detailed settings page.

Find "annual fee reduction" and click the query on the right.

The income inquired is the number of consumption transactions, consumption amount and annual fee reduction and exemption conditions of this year.

Cardholders can also directly call ICBC's 24-hour customer service hotline 95588 for enquiries.

Annual rate and capital occupation fee:

Capital occupation fee refers to the amount of interest collected and paid by non-financial institutions (such as enterprises) in their business activities by borrowing funds and prepayments. The amount of capital occupation fee depends on the interest rate of bank loans in the same period, and then the interest rate needed to calculate the capital occupation fee is determined by both parties through consultation. It can be said that the capital occupation fee can be regarded as a disguised loan between enterprises. However, the annual rate refers to the rate of paying fees. For example, the insurance premium rate refers to the ratio of the amount that the insured pays to the insurer and the amount that the insurer promises to compensate. It also refers to the fee charged by a telephone in a billing unit.

In addition, the calculation method of capital occupation fee: capital occupation fee = loan amount * interest rate *( 1- enterprise income tax rate). Capital occupation fee refers to the expenses paid by enterprises to occupy funds, such as bank loan interest. There are two kinds of capital occupation fee, one is fixed capital occupation fee and the other is working capital occupation fee. There is usually an annualized interest rate in loans, that is, the comprehensive cost of the loan is converted into an annual interest rate. When calculating the comprehensive rate, you can first calculate the annual loan cost and then divide it by the annual loan amount, which is the annual loan interest rate.

In addition, if the loan charges interest according to the daily interest rate, then the calculation formula of annualized rate is: daily interest rate *365. If the interest is calculated according to the monthly interest rate, then the calculation formula of annualized rate is: monthly interest rate * 12. For example, the loan is charged at the daily interest rate of 0.05%, and the annualized rate is 0.05%*365= 18.25%. If the interest is calculated at the monthly interest rate of 0.2%, the corresponding annualized rate should be 0.2%* 12=24%.

Finally, the rate mentioned in the business refers to the ratio of total interest/total loan, through which interest, monthly payment, etc. are calculated. It can be calculated directly. If the loan is 300,000 yuan for three years and the interest rate is 4%, you can directly use 300,000 yuan * (3 * 4%) = 36,000 yuan, which is the total interest. The amount of capital occupation fee depends on the interest rate of bank loans in the same period, and then the interest rate needed to calculate the capital occupation fee is determined by both parties through consultation. It can be said that the capital occupation fee can be regarded as a disguised loan between enterprises. Capital occupation fee is often recorded as "interest", so it can be said to be interest in disguise. You can understand the capital occupation fee as the interest on the occupied capital according to the occupied time.