Online shopping, settlement by credit card, even credit card. As long as it is settled by credit card, except for cash withdrawal, it is a credit card.

Credit card annual fee rules refer to some corresponding provisions of credit card annual fee. Before the cardholder activates the credit card, the bank shall not charge an annual fee. But most people know little about the annual fee rules of credit cards in different banks. The annual fee of credit card is mostly around 100 yuan, and some banks stipulate that the annual fee can be waived by swiping it three times a year.

The annual fee of ICBC is charged after the first use, that is, one year after the account is opened. As long as you pay 5,5000 yuan (3 student cards or 3,000 yuan, Platinum Card10.6 million points free of annual fee or 200,000 free of annual fee) in this year, you will be exempted from the annual fee of that year. At the same time, ICBC does not charge an annual fee for opening credit cards.

Platinum card holders who spend more than 4 million yuan can give the main and auxiliary cards a permanent annual fee-free discount. Individual cardholders of gold cards and ordinary cards who have no bad credit records and have held various credit cards of ICBC for more than 10 years (including 10 years) since the implementation of these Measures may be given a permanent annual fee-free discount for the main and secondary cards in an account.

Extended data

Compared with ordinary bank savings cards, the most convenient way to use credit cards is for ordinary consumption, and there is no cash in the cards. In many cases, it is enough to return the consumption amount on time.

From the cardholder's point of view, online payment is considered to be one of the most risky payment methods for credit cards, because malicious people may steal user information by means of phishing, eavesdropping on network information and fake payment.

When paying online, you need to enter++,the validity period of the credit card, the number of Visa CVV2 code /MasterCard CVC2/ UnionPay CVN2 next to the signature column on the back of the card, the online transaction password, and sometimes you need to enter your name, the verification code randomly generated by the webpage, etc.

Baidu encyclopedia-credit card repayment method

Baidu Encyclopedia-ICBC Credit Card

Baidu Encyclopedia-Credit Card Annual Fee Rules

Does online consumption of credit cards count as the number of swipes?

Not all banks include online credit card consumption in the number of credit card swipes. Please call the credit card customer service number of the issuing bank and transfer to manual customer service consultation. Ordinary credit card online consumption of China Everbright Bank, China Guangfa Bank, China Merchants Bank, Bank of Communications, Industrial Bank, Minsheng Bank and Shanghai Pudong Development Bank, regardless of B2C or C2C, is counted as the number of swipes. However, apart from platinum cards, platinum cards are rarely exempt from annual fees by swiping their cards.

For example, any form of credit card spending is counted. China Merchants Bank credit card is also a credit card through online banking. Brush for 6 times, and there is no annual fee. Just no integral.

At present, except for China CITIC Bank, the annual fee for credit cards below the gold card level of major domestic banks is generally automatically reduced in the first year, and the annual fee for the following year can be exempted if the card is swiped for a certain number of times or if consumer finance is satisfied. The credit card of CITIC Bank will be swiped or withdrawn once within 30 days of card approval, and the annual fee will be exempted in the first year. According to the regulations of credit card centers of major banks, online transactions are also counted as the number of swipes.

Does online shopping count the number of swipes by credit card payment?

Credit cards can be used not only for offline payment, but also for online shopping. However, when many cardholders use credit cards to make online payments, they will have such questions: I use credit cards to shop online, is it a credit card? Under normal circumstances, most banks stipulate that credit card online shopping also counts as the number of swipes. However, I suggest you consult the service hotline of the issuing bank to find out.

Cardholders who have used credit cards know that all credit cards have annual fees, but except platinum cards, Puka and Gold cards can reduce the annual fees by swiping their cards. For example, CITIC Bank stipulates that the annual fee for the first year will be waived if you swipe your card or withdraw cash once within 30 days of card approval, and the annual fee for the next year will be waived if you swipe your card or withdraw cash five times within one year.

But there are also many card friends who apply for credit cards mainly for shopping. Therefore, for card friends who often shop online, it is particularly important whether online shopping with credit cards is counted or not. After all, this is related to whether they can reduce the annual fee through the number of online shopping.

As far as we know, online credit card consumption, businesses have to pay fees to banks, banks have money to earn, there is no reason not to count the number of consumption. According to the personal experience of some people who mainly use online credit cards, both Bank of Communications and CITIC Card count.

However, some banks stipulate that it must be a point transaction to count as the number of credit card swipes, and most online shopping credit cards have no points, that is to say, no matter how many times you shop online and how much you spend online, you will not accumulate credit card points.

Therefore, no matter how many times the cardholder spends online, it will not affect the annual fee reduction. Consumers still need to swipe their cards at supermarkets, shopping malls, restaurants and other physical merchants, and the number of swipes reaches the free requirement before the corresponding annual fee can be reduced or exempted.

It can be seen that whether credit card payment online shopping is counted as the number of credit card swipes depends mainly on how the bank stipulates. You'd better not judge the number of online shopping transactions subjectively by swiping your card. It is best to call the 24-hour service hotline on the back of the credit card and turn to manual customer service consultation.

This concludes the introduction of online credit card counting and online credit card payment counting. I wonder if you have found the information you need?