Most of the annual fees for credit cards that can be refunded are those that can be reduced by the number of card swipes. Users who meet this situation can call the credit card customer service hotline of the issuing bank after discovering that the annual fee has been deducted, explain the reasons and needs to the customer service, and request that the annual fee be refunded after making up the number of credit card swipes. The annual fees of some special cards or the annual fees deducted with points cannot be refunded, such as the rigid annual fee of the Platinum Card.
Generally, the annual fee deducted from your credit card can be refunded by contacting customer service. Apply to the customer service through the credit card customer service hotline to make up the number of credit card swipes and then refund the annual fee. If the bank agrees, you must first pay off the annual fee. After all, the annual fee that has been billed must still be repaid, otherwise it will be overdue; then use your credit card to swipe the card to make up for the number of swipes.
It should be noted that not all annual fees can be refunded. For example, the rigid annual fee of the Platinum Card cannot be refunded. There are also annual fees for some special cards, or annual fees deducted with points. Generally, most of the refunds are annual fees that can be reduced by the number of card swipes, which is consistent with this situation.
Most bank credit cards have annual fees, but only a small number of credit cards offer lifetime annual fee exemptions. Credit cards have different annual fees depending on the type and level of the card, depending on the bank. For example, the annual fee for the ICBC credit card is 50 yuan for the regular card and 100 yuan for the gold card.
Many cardholders have misunderstandings about the timing of annual fee collection. They believe that the annual fee for credit cards is the same as that for debit cards, and the annual fee is charged uniformly at a fixed time. This is not the case. Most credit card annual fees are calculated from the card verification date to the following year.
For example, if the validity period on the front of the card is 06/15, it means that the card is valid until June 2015, so the annual fee is usually charged on a certain day in June every year. However, some banks count one year from the cardholder's card opening date to the day of the following year, such as China Construction Bank, China Guangfa Bank, etc. In the former case, if the cardholder does not open the card within the first year after applying for the credit card, and waits until the second year to open the card, and the annual fee is not waived in the first year, the annual fee will be charged directly. Therefore, cardholders must pay attention. It is best to call the credit card customer service center of the issuing bank to ensure that there is no mistake. ?