What should I do if CITIC Bank's credit card is useless to generate an annual fee?
The annual fee generated by the useless credit card can be refunded through negotiation with the bank, or it can be replenished through the number of swipes. But the credit card is not activated and there is no annual fee. Once activated, whether it is used or not, an annual fee will be charged according to the acquisition agreement. However, CITIC Bank has a corresponding annual fee refund policy. For ordinary cards and gold cards that enjoy the annual fee discount, if the annual fee is not generated due to timely consumption, you can contact the credit card customer service hotline of CITIC Bank for registration, and the annual fee can be refunded after the number of swipes is completed, except for credit card products that charge a rigid annual fee.
In addition, CITIC Bank also offers some platinum card annual fee concessions. Within three months before and after the annual fee is generated, the distinguished Platinum Cardholders can redeem 450,000 points or 220,000 points+65,438+0,000 yuan annual fee for the main card, 220,000 points or 65,438+0,000 yuan annual fee for the sub-card. Elite Platinum Cardholders can redeem 60,000 points or 30,000 points +240 yuan main card annual fee, 30,000 points or 654.38+0.5 million points+654.38+0.20 yuan sub-card annual fee.
(Image from the official account of CITIC Bank Credit Card WeChat)
The above is the answer to how to deal with the annual fee generated by the useless credit card of CITIC Bank. In the process of using credit cards, users should pay attention to the fact that the withholding of annual fees is generally included in the bill. If they have no objection to the annual fee, they should also remember to repay it on time to avoid overdue behavior because the annual fee is not paid in time.