how do you charge the annual credit card fee?
the annual credit card fee refers to the fee that the cardholder has to pay to the bank when using the credit card. Generally, the annual credit card fee starts after the cardholder activates the credit card and is collected annually. Different levels of credit cards have different standards for collecting annual fees; The annual fee is different for different issuing banks.
in general, the annual fee of Puka is 1-15 yuan; The annual fee for a gold card is 3-5 yuan, while the annual fee for a platinum card is often above 1 yuan.
credit card refers to all kinds of media that record the relevant information of the cardholder's account, have the function of bank credit line and overdraft, and provide relevant banking services for the cardholder.
Main features of credit card:
1. Credit card is one of the fastest-growing financial services, which can replace traditional cash circulation in a certain range;
2. Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also obtain certain loans from card issuers by using credit cards;
3. Credit card is a high-tech product integrating financial business and computer technology.
4. Credit cards can reduce the use of cash currency;
5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;
6. Credit cards can simplify the collection procedures and save social labor;
7. Credit cards can promote commodity sales and meet social needs.
Main types
According to different card issuers, it can be divided into bank cards and non-bank cards
Bank cards. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or withdraw cash at any time at all branches of the issuing bank or places with ATMs.
non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are dedicated to shopping in designated stores or filling gas stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by service industries, such as airlines and travel companies, which are used for ticket purchase, dining, accommodation and entertainment.
according to different card issuers, it can be divided into corporate cards and personal cards
corporate cards. Corporate cards are issued to all kinds of industrial and commercial enterprises, scientific research and education institutions, state party and government organs, military units, organizations and other legal organizations.
personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. Personal cards are applied for in the name of individuals and bear all the responsibilities of using them.
According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.
Ordinary cards. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and their requirements are not high.
gold card. Gold card is an advanced credit card that pays high membership fee and enjoys special treatment. Card issuers are those with high credit, strong repayment ability and credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are much wider, so the requirements for related service fees and guarantee money are also higher.
How to pay the annual credit card fee of Agricultural Bank of China Jinsui Card
Hello. Annual fee for credit card of Agricultural Bank of China Jinsui Card. You don't need to pay separately, and the system will automatically deduct the credit card amount when the annual fee is deducted. Just pay it back to your credit card next month.
How to charge the annual fee of China Bank's credit card? There is no annual fee.
The standard for charging the annual fee of China Bank's credit card is:
(1) BOC/Great Wall Global Link products:-Personal card: Puka: 1 yuan/card with the highest RMB; Theme card: up to RMB 28 yuan/card; Gold card/titanium card: up to RMB 36 yuan/card;
(2) Platinum card: the highest RMB 8 yuan/card;
(3) High-end card: up to RMB3,6 per card;
(4) official card/company card: the maximum RMB 36 yuan/card;
you can inquire through the official website of Bank of China ()-Bank Card-Service Guide-Card Guide-Price List of Credit Card Service of Bank of China.
In the year when a credit card is used, the annual fee for this year can be reduced if the accumulated spending of swiping the card in local and foreign currency accounts meets the following conditions, except for special card types:
1. Personal jinpu cards are exempted from the annual fee for the first year and five swipes are exempted from the next year; 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.
3. All-currency international chip series gold, general and platinum credit cards: the annual fee is free before December 31, 218.
the above contents are for your reference. please refer to the actual business regulations.
This concludes the introduction of how to pay the annual credit card fee and how much it costs. Did you find the information you need?