what should I do if the annual fee is deducted from my credit card? Doing three things well can actually be returned!

As we all know, the annual fee is a mandatory fee for credit cards. Although many ordinary and gold cards can reduce the annual fee by swiping their cards, the annual fee will be deducted by the bank if they fail to meet the standard. So, what should I do if I encounter this situation? What I want to tell you is that if the credit card is not swiped enough times and the annual fee is charged, you only need to do three things well, and maybe the bank can return it to you!

how to refund the annual fee deducted from the credit card?

What I want to say here is that not all annual fees can be refunded, such as the rigid annual fee for platinum cards, and there are some annual fees for special cards, or the annual fees deducted by points. Generally, most of the annual fees that can be refunded can be reduced or exempted by the number of swipes. In line with this situation, do these three things immediately after discovering that the annual fees have been deducted:

1. Call the credit card customer service hotline of the issuing bank and explain the reasons to the customer service. If the bank does not agree, it can threaten to cancel the card without refunding the annual fee.

2. If the bank agrees, you have to pay off the annual fee first. After all, you still have to repay the deducted annual fee, otherwise it will be overdue;

3. swipe your card with a credit card to make up the number of swipes.

After doing these three things, you will be pleasantly surprised to find that the bank really refunded your annual fee to your credit card account. This method is not nonsense. Some card friends have personally experienced it and it is indeed feasible.

Here's an example for everyone:

Card friend Xiaoqi didn't swipe his credit card in November, but he was deducted 8 yuan. This year, he didn't swipe enough annual fees, but he didn't want to waste the money, so he called the card issuer and said that he forgot to swipe his credit card enough times. He wanted to know if he could waive the annual fees.

the customer service of the bank readily agreed, but he needs to pay back the deducted annual fee first, and then make up the number of swipes, and the annual fee will be refunded in the next month's bill. Xiaoqi went to the supermarket to shop by credit card for three times. Indeed, in the December bill, the bank returned it to 8 yuan.

how to refund the annual credit card fee?

Generally, most of the annual credit card fees that can be refunded are annual fees that can be reduced or exempted by 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 making up the number of swipes. There are some special card annual fees or annual fees deducted by points that cannot be refunded, such as the rigid annual fee for platinum cards.

under normal circumstances, the annual fee deducted from the credit card can be refunded by contacting customer service. Apply to customer service through the credit card customer service hotline to make up the number of swipes and refund the annual fee. If the bank agrees, it must first pay off the annual fee. After all, the annual fee that has been billed must be repaid, otherwise it will be overdue; Then swipe your card with 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 fees for platinum cards, and some annual fees for special cards, or those deducted by points. Generally, most of the annual fees that can be refunded can be reduced or exempted by the number of swipes, which is in line with this situation.

Most credit cards in banks have annual fees, and only a few credit cards offer the right of free annual fees for life. According to different banks and different types and grades of credit cards, the annual fee of credit card is different. For example, the annual fee of China Industrial and Commercial Bank of China is 5 yuan, and the annual fee of gold card is 1 yuan.

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

for example, if the validity period of the front of the card is 6/15, it means that the card is valid until June 215, so the annual fee is usually charged on a certain day in June every year. However, some banks, such as China Construction Bank and China Guangfa Bank, have a period of one year from the cardholder's card opening date to the following day. In the former case, if the cardholder fails to open the card within the first year after applying for a credit card, the card will not be opened until the second year, and the annual fee will be charged directly. Therefore, cardholders must pay attention, and it is best to call the credit card customer service center of the issuing bank to ensure that there will be no mistakes.

what should I do if my credit card has an annual fee deduction?

If your credit card has an annual fee reduction policy, you can call customer service to apply for a refill, and then contact customer service. The deducted annual fee will be refunded to the credit card account. The annual fee for credit cards must be charged and cannot be reduced. If your credit card doesn't have this policy, the annual fee has been deducted, so you can't apply for a refund.

annual fee standard of credit card

the annual fee of credit card varies according to the type and grade of credit card and the main card and supplementary card. Take the four major banks as examples:

1. China Bank's annual credit card fee

(1) China Bank's Great Wall RMB card, Pukaka's annual fee is 2 yuan, Gold Card's annual fee is 1 yuan, and Platinum Card's annual fee is 1, ~ 4, yuan.

(2) For BOC Great Wall International Card, the annual fee for US dollar card is US$ 12, that for Hong Kong dollar card is HK$ 1 yuan, and that for Euro card is EUR 12. The above is the annual fee for the main card, and the annual fee for the auxiliary card of Puka is half of the annual fee for the main card of Puka.

(3) The annual fee for the Great Wall International Gold Card of Bank of China is US$ 25, HK$ 2 and Euro Card is US$ 22, and the annual fee for the sub-gold card is half of the annual fee for the main gold card.

2. Annual credit card fee of China Agricultural Bank

Credit cards of China Agricultural Bank include ordinary cards, gold cards, platinum cards and business cards. The annual fee for personal platinum card is 3-3 yuan, and the annual fee for supplementary card is 15-2 yuan; Personal gold card annual fee main card 16-2 yuan, supplementary card 8-1 yuan; Annual fee for personal ordinary card: main card 8-1 yuan, supplementary card 4-5 yuan; The annual business card fee is 2 yuan per year.

3. Annual fee of ICBC's credit card

(1) The annual fee of the main card of the credit card is 1 yuan, and the annual fee of the auxiliary card is half of the annual fee of the main card; The annual fee for the single-currency credit card is 5 yuan, and the annual fee for the secondary card is half of the annual fee for the primary card.

(2) 2 yuan, the main card, and 1 yuan, the auxiliary card; Single currency credit card annual fee main card 1 yuan, auxiliary card 5 yuan.

(3) The annual fee of the Platinum Card is 2, yuan, and the secondary card is half of the primary card;

① the annual fee charged by the main card of simple platinum card is 1 yuan, and the secondary card is half of the main card;

② The annual fee for the Centurion Platinum Express Card is 3,6 yuan/year for the main card and no annual fee for the sub-card;

③ the annual fee of unionpay standard platinum card is 18 yuan/year, and the supplementary card is half of the main card.

4. China Construction Bank's annual credit card fee

The annual fee for the main card of the credit card is 8 yuan, and the annual fee for the auxiliary card is half of the annual fee for the main card; The annual fee of the main card of the credit card gold card is 16 yuan, and the annual fee of the auxiliary card is half of the annual fee of the main card; The annual fee of the standard platinum card is 58 yuan for the main card and 3 yuan for the auxiliary card; The annual fee of the exquisite platinum credit card is 1,8 yuan for the main card and 1,2 yuan for the auxiliary card.

Can I get my credit card back after deducting the annual fee?

In general, if I want to return my credit card after deducting the annual fee, I can apply to customer service through the credit card customer service hotline and return the annual fee. When the bank agrees, I have to pay off the annual fee first, and then swipe my card with my credit card to make up the number of swipes. However, it should be noted that not all the annual fees can be returned, and most of them are in line with the annual fee that can be reduced through the number of swipes.

There are several points in the annual fee-free rules for credit cards:

It's certainly not cost-effective to apply for a card without swiping it. However, different banks have different annual fee-free rules, which makes it easy for cardholders to inadvertently generate annual fees.

it is generally believed by cardholders that the annual fee is waived in the first year and the annual fee is waived in the next year when the card is swiped to a certain standard, but this is not the case for all cards. For example, ICBC's credit card does not have an annual fee in the first year, but it needs to be swiped for 5 times or spend more than 5, yuan to avoid the annual fee for that year; According to the regulations of CITIC Bank, the annual fee for the first year can only be waived by swiping the card once in the first month after issuing the card.

In terms of the rules of exempting the annual fee for the following year, some banks stipulate that it can be free as long as they swipe their cards for more than three times, such as China Construction Bank [6.23.85%] and China Everbright Bank; Some banks require more times to swipe their cards. For example, SDB credit cards require 18 swipes to exempt the annual fee for the following year. Most banks, such as ICBC, Agricultural Bank of China, Bank of China, Bank of Communications, China Merchants Bank, etc., are exempt from the annual fee for 5-6 times.

the financial planner of yinlv. com pointed out that because the annual fee is not the main source of income for domestic credit card issuers, banks generally stipulate that the annual fee will be waived only after swiping the card for a certain number of times, and there is no limit on the amount. However, banks that limit the amount of consumption are not without it. For example, Shanghai Pudong Development Bank stipulates that if the consumption is over 2, yuan or more, the annual fee for the following year can be exempted.

It is also particularly noteworthy that the annual fee-free rules of banks are not immutable. The staff of the Credit Card Center of Bank of Communications [8.794.27%] told the reporter that the annual credit card fee is based on the collection time of the annual fee in the first year, and it is pushed back for 12 months, which is the collection time of the annual fee in the next year. Generally, the annual fee-free rules of Bank of Communications credit cards will be notified to cardholders by SMS at the end of the year or the beginning of the following year, and cardholders need to pay attention to whether the annual fee-free rules have changed.

TIPS: generally speaking, ordinary credit cards can enjoy the annual fee-free rule, while the annual fees of gold cards, platinum cards, diamond cards and other cards are usually unavoidable.

How to deduct the annual fee from China Bank's credit card

During the card-using year of China Bank's credit card, the annual fee of this year can be reduced if the accumulated consumption of this account in the current year meets the following conditions, except for special card types:

1. Personal Jinpu card is exempted from the annual fee in the first year, and 5 swipes are exempted from the next year (8 swipes are made by Ms. Titanium card); The annual fee reduction policy for supplementary cards is the same as that for main cards;

2. In 217 -218, new platinum card customers are exempted from the annual fee for the first year, and the annual fee for old customers and new customers for the next year needs to be reduced by 12 strokes and over 2, yuan, or the annual fee can be exchanged with 1, trading points; The annual fee waiver policy for supplementary cards is the same as that for main cards.

the above contents are for your reference. please refer to the actual business regulations.

if you have any questions, please contact online customer service of Bank of China.

you are cordially invited to download and use China Bank Mobile Banking APP or BOC Cross-border GOAPP to handle related business.

let's stop here for the introduction of how to do if the annual credit card fee is deducted.