The annual fee is returned to the reverse credit card in the form of a quota, which can be used for consumption. If you withdraw cash, it is equivalent to cashing out, which is not allowed in principle, but many people do it in practice.

In general, the annual fee deducted from the credit card can be refunded through the consulting service. The credit card customer service hotline explains the reason to the customer service and asks for a refund of the annual fee after the number of swipes is completed. If the bank does not agree, it can threaten to return the card without refunding the annual fee. If the bank agrees, the annual fee must be paid off first. After all, the deducted annual fee should be paid back, otherwise it will be overdue.

Extended data:

Credit card deduction of annual fee

Debit cards don't require an annual fee like most credit cards. The higher the general grade, the higher the annual fee of credit cards, mainly platinum cards. Gold card BBB> ordinary card.

The annual fee of credit card will be reduced, and most banks will reduce the annual fee by reaching the consumption limit. I believe many cardholders are unwilling to pay this fee, but sometimes due to negligence, they fail to calculate the annual fee cycle of credit cards and fail to meet the requirements of annual fee exemption.

Xinhuanet-Credit card is not activated. The customer who has been deducted the annual fee of 200 yuan sued the bank for malicious deduction.