Is the second card of China Merchants Bank free of annual fee?
The annual fee of China Merchants Bank's credit card is calculated according to a single card, regardless of the number of credit cards. Whether it is free or not depends on what level of credit card it is. According to the annual fee, China Merchants Bank Card can be divided into non-annual fee card and annual fee card, and the charging standard is set according to the card level.
Like non-annual fee cards, that is, ordinary credit cards, including ordinary cards and gold cards, the charges are different. If you don't activate, you won't charge an annual fee. After activation, the annual fee is free in the first year, and the annual fee can be reduced by swiping the card in the second year. You need to complete six transactions with unlimited form and amount within the annual fee settlement period. If there are two credit cards, the first card must be swiped 6 times, and the second card must be swiped 6 times to avoid the annual fee.
Annual fee card is a high-end credit card. China Merchants Bank has Zunshang Platinum Installment Card, Free Life Platinum Credit Card, Classic Platinum Credit Card, Centurion Platinum Card, Diamond Credit Card, Unlimited Credit Card and Centurion Black Gold Card, all of which cannot enjoy the annual fee reduction. The annual fee is deducted directly from the nuclear card, and the fee is deducted according to the charging standard of each card.
Although the annual fees of the second card and the first card are calculated separately, they share the same amount.
No matter what level of the two cards of China Merchants Bank, the amount of each card cannot be superimposed, and the maximum available amount is subject to the maximum card amount.
Relatively speaking, the higher the level of the card, the greater the credit limit. Therefore, for the second CMB card, try to choose a card with a higher level than the first card. The key is to have rich rights and interests. For example, if the first card is a gold card, consider a platinum card. If you can't do high-end white, you can do small platinum.
The above is "Is the second card of China Merchants Bank free of annual fee?" I hope it helps you.