Postal credit cards are generally not activated, or the magnetic stripe of the card is not triggered after activation, and no annual fee is charged.
Once used (credit card consumption, online consumption, cash withdrawal and ATM inquiry, etc.). ) will be charged according to the annual fee. Puka doesn't charge an annual fee. Gold card annual fee 125 yuan, but there is no annual fee in the first year. After that, you can avoid the annual fee by swiping your card six times a year.
The above is a detailed introduction about whether the annual fee of postal credit card 125 yuan can be refunded. I hope it helps you. If it is useful, please forward it to share.
1. Introduction of annual credit card fee of China Postal Bank
1. Postal credit card annual fee is a certain credit card service fee charged by Postal Savings Bank to credit card holders every year. Different levels and types of postal credit cards charge different annual fees.
2. Puka: Free of annual fee. The main card of featured products is 50 yuan/year, and the auxiliary card is 20 yuan/year. Free of annual fee in the first year, and free of annual fee in the second year after spending 6 times.
3. Gold card: main card 125 yuan/year, and auxiliary card 60 yuan/year. Free of annual fee in the first year, and free of annual fee in the second year after spending 6 times.
4. Dingya Platinum Card: the main card is 500 yuan/year, and the subsidiary card is 200 yuan/year. The annual fee is free in the first year, and the annual fee for the next year is reduced after spending 70 thousand or 20 times.
5. Zhi Ding Platinum Card: the main card is 2600 yuan/year, and the auxiliary card is 1.300 yuan/year. You can exchange certain points for annual fees.
Introduction to credit card overdraft:
Credit card overdraft is a short-term overdraft given by the credit card issuer to the cardholder within the prescribed limit when shopping with the card. For credit cards, it is allowed to "consume first, then repay", and overdraft is an important feature. For debit cards, it should be "deposit first, then spend", but on the premise that it is recognized as goodwill overdraft and repayment is guaranteed, the cardholder is also allowed to overdraw an appropriate amount in a short time when the money is urgently needed. Overdraft interest is generally much higher than bank loans in the same period, and card issuers also have a set of measures to prevent and recover overdraft risk losses.