The annual fee collection time of Hebei ETC credit card can be inferred from the card validity period:

For example: If the validity period on the front of the card, (there are four numbers on the front of the credit card and below the card number , usually the first two numbers represent the month and the last two represent the year) 10/23 means that your credit card will expire in October 23. Usually the validity period of an IC credit card is eight years. If you extrapolate it forward, it will be in October 2015. For cards issued by Tianhe (so it is neither the application date nor the activation date after receiving the card, but the date when the bank approves the card), starting from this time, there will be 3 transactions within 12 months (no amount limit) , then the bank will not charge the annual fee for this year.