What should I do if Everbright Credit Card exceeds the time for deducting the annual fee?

The cardholder can contact the issuing bank actively, call the customer service hotline of the issuing bank, explain the situation to the customer service, and ask the bank to give a certain exemption period to make up for the number of swipes and refund the annual fee. At first, we can take a gentle approach. If the bank refuses, we can threaten to cancel the card if the annual fee is not refunded. In most cases, the annual fee collected can be refunded.

even if the bank agrees, cardholders should remember to pay off the annual fee first, because the account has been paid, and if it is not paid back, it will be overdue and affect personal credit information.

There are two main channels for users to use credit card points of China Everbright Bank to exchange annual fees:

First, directly dial the 24-hour global VIP service line of China Everbright Bank, and directly apply for using points to deduct annual fees after transferring to manual customer service.

2. Generally, the credit card of China Everbright Bank will send a text message to the cardholder on the 2th day of the month when the annual fee is generated. If the cardholder's points reach the deduction value, the cardholder can directly reply to the text message to complete the deduction of the annual fee.