Write-off of credit card miscellaneous fees refers to the operation of offsetting or reducing previous credit card miscellaneous fees (such as annual fees and late fees) in subsequent bills. In the use of credit cards, if there is no breach of contract such as repayment on time or exceeding the credit limit, the bank will charge corresponding miscellaneous fees according to the cardholder agreement.
If the user subsequently changes the habit of using the credit card, or obtains the reduction or exemption of these miscellaneous fees through negotiation, appeal, etc. , the bank will offset or reduce the miscellaneous fees charged before in the subsequent bills to realize the benefits or concessions that users deserve.