Since credit cards have gradually entered thousands of households, almost everyone now has a credit card. Because credit cards are not only convenient to use, but also enjoy some extra credit card discounts. However, in addition to enjoying the convenience and benefits brought by credit cards, we also need to pay attention to whether credit cards will charge annual fees. Although there is no need to pay the handling fee when handling the card (except the special craft card), in the subsequent process of using the card, we will inevitably involve the handling fee, service fee, installment fee and annual fee. So when do you charge the annual fee for the credit card? Precautions for annual fee of credit card!

Different banks have different regulations on the deduction time of the annual credit card fee, so friends should never think that the annual credit card fee will only be deducted at the beginning or the end of the year. Most banks decide the card opening date according to the cardholder. Take ICBC's credit card as an example. If the cardholder opens the card on June 5438+1 October 1 in 2020, the annual fee will be charged on June 5438+1October/every year, and CITIC Bank will delay the card opening date by 60 days as the collection time. Let's take a look at the precautions about the annual fee:

1. The higher the credit card level, the higher the annual fee. Platinum cardholders can enjoy additional high-end rights and higher credit lines, so their annual fees will be much higher than those of gold cards and ordinary credit cards, ranging from several hundred yuan to several thousand yuan, and many of them are rigid annual fees, which cannot be reduced by swiping cards. Everyone must pay attention in advance.

2. At present, many banks will use the policy of "free annual fee for life" to attract users to apply for cards, but there is a hidden mystery. Many of them are just word games used by banks in propaganda. The premise of free annual fee for life is that they must brush a certain amount and number of pens, or exchange points.

In addition, what many friends don't know is that the supplementary card of a credit card actually charges an annual fee, which is generally half of the annual fee of the main card, so it is easy to forget. Therefore, Bian Xiao reminded that if there is no special demand, it is best not to apply for supplementary cards. Once overdue, it is easy to leave a credit stain on personal credit information.

Ok, this is the introduction of the annual credit card fee. Finally, Bian Xiao reiterated that the deduction time of the annual credit card fee is not fixed. If you want to know the specific charging policy and deduction time, you'd better call the customer service of the issuing bank in advance for consultation. Please read and understand the relevant terms and conditions carefully before using the credit card. Only in this way can we better manage our credit card accounts and avoid possible unexpected expenses.