How can I avoid deducting annual fees on my credit card? 1. Apply for ordinary credit cards. Ordinary credit cards refer to credit cards below platinum card, that is, ordinary card and gold card. Although the regular card and gold card also have annual fees, the non-rigid annual fee will not be deducted if it is not activated after applying for the card. After activation, generally as long as the conditions for reduction and exemption are met before the annual fee is settled, the fee will not be deducted. Platinum cards mostly have a rigid annual fee. If the card is approved successfully, the annual fee will be deducted even if it is not activated, and most of them cannot be reduced. 2. Remember the annual fee settlement time. After the ordinary credit card is activated, you should also pay attention to the annual fee being deducted, because even if the annual fee can be reduced or exempted, the cardholder still needs to meet this condition. It will not be automatically paid if you do nothing. To waive the annual fee, most ordinary credit cards only need to swipe the card a certain number of times before the annual fee is settled. Therefore, cardholders must first remember the annual fee settlement time of the credit card in their hand. Many banks are based on the validity period of the card, some are based on the card activation date, and some are based on the card issuance date. For details, please consult the card issuer. Please ask clearly.
What should I do if my annual fee is deducted? Annual fees deducted will generally be included in the latest bill balance, and cardholders must repay the money before the end of the repayment date to avoid overdue payments. If the annual fee is deducted for a non-rigid annual fee card, after successful repayment, call the bank customer service phone to inquire whether the annual fee can be refunded. The above is the relevant introduction to "How to avoid annual fee deduction for credit cards". I hope it will be helpful to everyone.