In addition, I suggest you know the annual fee policy of this credit card first.
The annual fee collection standard depends on the specific card type. Most card types have preferential annual fee policies, such as standard universal cards and gold cards. The annual fees are 80 yuan and 160 yuan, respectively, and the annual fee (unlimited amount) is exempted by swiping the card three times per card year. The annual fee for standard platinum card is 580 yuan, and the annual fee for the current year is exempted for 10 credit card (unlimited amount). However, some cards have a rigid annual fee, such as digital dragon card annual fee 160 yuan and car card 200 yuan.
If you can avoid the annual fee by swiping this card for a specified number of times, it is recommended to swipe it as soon as possible, go to the mall or pay online. There is no requirement for the amount, as long as the number of times is met. If the card is opened and the specified number of times is not reached within the specified time, the annual fee of the previous year will be generated on the first billing day of the next card-holding year.
If it is a rigid annual fee, it will be charged regardless of whether it is brushed or not. The annual fee can be repaid on time after it is generated.