Many banks' credit cards are exempt from the annual fee in the first year, and the annual fee (unlimited amount) in the following year can be waived if you swipe your card 3-6 times in the first year. If the annual fee exemption condition is not met, the cardholder needs to pay the annual fee after the first year of credit card issuance. It should be noted that the first year of all bank credit cards is within 12 months of issuance, not the natural year. For example, credit cards issued by 17 and 12 end in 18,1/kloc-0, 3 1. If the card is not activated or swiped for the number of times required by the issuing bank in the first year, the annual fee will be charged in the13rd month.
Credit card is a credit certificate issued by commercial banks or credit card companies to qualified consumers.
The form of credit card is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.
Product category
Classification of institutions
(a) according to the different card issuers, it can be divided into bank cards and non-bank cards.
(1) bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.
(2) Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.
(2) According to different card issuers, it can be divided into corporate cards and personal cards.
(1) company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.
(2) Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.
(3) According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.
(1) ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.
(2) gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.
How to calculate the annual credit card fee for one year?
1. One year is counted from the time the user opens the card.
2. Under normal circumstances, the annual credit card fee is calculated from the activation time of the user's card opening, not from the natural year. For example, when the user opens the card, the time is 65438+ 10/2020, then the year of 202 1 65438+1 0/is the year for calculating the annual credit card fee. In addition, most bank credit cards are now exempt from the annual fee in the first year, and the annual fee for the next year can be exempted after the credit card consumption reaches the standard. For example, the annual credit card fee of China Merchants Bank is calculated from the date of your card issuance (the validity period below the credit card and the previous date is the card issuance date), which is not a natural year. The specific criteria are as follows:
1) The annual credit card fees of different banks will be different. The specific annual fee collection standard depends on the bank's regulations;
2) The annual fee of different grades of credit cards will be different;
3) the higher the general credit card level, the higher the annual fee, basically platinum card > gold card > ordinary card.
Time of annual fee deduction: the deduction of annual fee of credit card basically depends on the activation date of your card. When do you activate the card, then the annual fee will be charged on this day in 2008. For example, if you activate your card on June 6th, your card will be charged an annual fee on June 6th of the following year. Although most banks charge an annual fee in this way, there are exceptions, such as the credit card of CITIC Bank, which charges an annual fee 60 days after you open the card.
1. Bank card annual fee usually refers to debit card annual fee, but broadly includes credit card annual fee and online banking annual fee. Some debit cards charge an annual fee, and some banks waive the annual fee. Credit cards generally charge an annual fee, and the fee is high, ranging from several hundred.
Credit cards have an annual fee. According to different banks, the types and grades of cards are different, and the annual fee of credit cards is also different. However, the annual fee policies of most banks are basically the same. Generally, the annual fee for standard credit cards is around 100 yuan, while the annual fee for gold cards is generally in 200 yuan or 300 yuan. The annual fee of a single-currency card is lower than that of a dual-currency card. Generally, the annual fee of the supplementary card is halved corresponding to the annual fee of the main card.
How is the credit card calculated in the first year?
Calculate the annual fee collection period according to the card issuance date.
Your card issuing date can be when the card is issued.
Credit cards can be found on the pasted paper.
Or call 800988-8888.
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nine
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For example, your card issuing date is 07 100 1.
Free annual fee for the first year
07 100 1-080930
It is required to swipe your card 6 times in the first year 07 100 1-080930 to avoid the next year 08 100 1-090930.
The rest can be inferred.
How to calculate the annual fee of Ping An Credit Card?
There are many credit cards owned by Ping An Bank. For different cards handled by users, the collection standards and relevant regulations of annual fees will be different.
1. Ping An Bank Credit Card:
Puka: the main card 100 yuan/year, and the auxiliary card 50 yuan/year; Gold card: main card 300 yuan/year, supplementary card 150 yuan/year. The annual fee is free in the first year, and the annual fee for the next year will be reduced after the annual fee expires six times.
2. Ping An Platinum Credit Card:
The main card is 2800 yuan/year; Supplementary card 1800 yuan/year. The rigid annual fee for the first year cannot be reduced; During the annual fee period, if the consumption reaches 1.5 million yuan, 50% of the annual fee of the following year can be exempted, and if the consumption reaches 300,000 yuan, the annual fee of the following year can be exempted.
1. Is Ping An Bank's credit card reliable?
Ping An Bank's credit card is reliable.
Ping An's credit cards are generally good, and each card comes with its own insurance. Ping 'an car owner's credit card is 18% off, with 165438+ 10,000 yuan insurance, which is quite good.
After releasing the card for about three months, the quota will be raised for the first time, and the quota will be raised by about 30%. The second withdrawal of the fixed amount is half a year after the first withdrawal, and there are two withdrawal opportunities within one year. So everyone should pay attention to their withdrawal time and don't miss these two opportunities.
During the first and second withdrawal of fixed quota, there will be two temporary quotas. Generally, the deposit is around 50%, and the use of temporary quota does not occupy the period of withdrawing fixed quota. And every time it expires temporarily, a temporary quota will be generously issued in a few days.
Credit cards of major banks have their own advantages and disadvantages. The disadvantage of Ping An Bank is that the interest on credit card consumer loans is a bit high. Ping An Credit Card has different card types and different fringe benefits. Customers can choose the appropriate card type according to their actual needs.
2. Ping An Bank Credit Card Free Annual Fee Policy:
Ping An Bank's credit card, 1653, can be exempted from the annual fee for the first year, and the annual fee for the next year can be exempted if it is spent six times in the current year (except platinum card and owner card). Ping An Platinum Credit Card's annual fee for the first year is rigid (cannot be reduced). If you spend 150000 yuan in the current year, you can get rid of 50% of the annual fee for the next year, and if you spend 300,000 yuan in the current year, you can get rid of the annual fee for the next year. The supplementary card has the same rules as the main card.
The first year's rigid annual fee (non-deductible) of Ping 'an car owner's credit card, and the annual fee for the following year can be exempted if the consumption reaches 30,000 yuan or equivalent US dollars in that year.
3. Process for processing credit cards:
Identify banks, and you can log in to major banks in official website for detailed information; You can apply directly to the business outlets, or you can apply at the bank in official website; Fill in the form and fill in the relevant information according to the guidance of the staff; Fill in the information and submit it to the bank for review; The card can be issued after approval.
Legal basis: Article 33 of the Measures for the Administration of Credit Card Handling Business. Any company that opens a basic account in a financial institution in People's Republic of China (PRC) (China) can apply for a company card. You can apply for multiple business cards, and the cardholder qualification shall be designated and cancelled in writing by the legal representative of the applicant or his entrusted agent.
How to calculate the annual fee of ICBC credit card?
Personal gold, ordinary card annual fee collection standard (half of the supplementary card):
1. Puka: multi/dual currency credit card 100 yuan/card/year, RMB credit card 50 yuan/card/year, quasi-credit card 25 yuan/card/year;
2. Gold card: multi/dual currency credit card 200 yuan/card/year, RMB credit card 100 yuan/card/year, quasi-credit card 50 yuan/card/year.
The annual fee for the first year of the credit card is collected after the card is activated (the starting date of the annual fee collection is the card activation date instead of the card issuance date), and the annual fee is deducted year by year on this basis.
Personal credit card gold card and ordinary card spend 5 times (unlimited amount) or 5000 yuan (including the equivalent value) in a year, and the annual fee of the main and auxiliary cards can be reduced or exempted.
Tips:
1. Cards with rigid annual fees, such as Chejia Card, Anbang plus, Shouyue plus, Global Plus, and JD.COM White Card, are not exempt from annual fees (they will be charged immediately after card opening and annually thereafter).
2. In addition to the above-mentioned annual fee-free conditions, ICBC has also launched a number of annual fee-free activities for different card types. You can inquire in detail through ICBC's website.
(Answer time: April 22, 2022. In case of business changes, please refer to the actual situation. )
How to calculate the annual fee cycle of credit card?
The calculation method of annual fee cycle of bank credit card is based on the date of card approval (starting time), not the natural year or activation time. Most credit cards are exempt from the annual fee in the first year, and the annual fee in the second year can be exempted after spending a certain number of times. Only a few special cards need to charge an annual fee.
For example, if the cardholder's credit card is a nuclear card dated 202 1, then the ordinary credit card he holds will be swiped 6 times before September 0 1 in 2022, and the annual fee for the next year will be automatically reduced. Please consult the staff for details. Free annual fee means that in order to encourage cardholders to spend by swiping their cards, if cardholders fail to meet the standard of free annual fee, most banks will also give some customers free annual fee to retain customers, some by additional fee reduction, and some unconditionally.
In addition, the annual credit card fees of the Postal Savings Bank are Gold Card, China Travel Service Card, Xi 'an Expo Co-branded Card, Black Travel Card 125 yuan/year, and supplementary card 60 yuan/year; Self-mailing family co-branded cards: the main card 100 yuan/year, and the auxiliary card 50 yuan/year. In addition to the annual fee, the Postal Savings Bank will also charge SMS service fee, cash withdrawal fee, late payment fee, over-limit fee, bill reading fee, bill replacement fee, overpayment recovery fee, loss reporting fee and password letter replacement fee. You can also go to the nearby Postal Savings Bank outlets to ask the bank staff, or you can go to the Postal Savings Bank in official website to inquire.
Before you apply for a credit card, you must know all the expenses that need to be paid and all the expenses that the bank will deduct regularly to avoid unnecessary losses in the later period.
< strong > calculation standard of annual credit card fee cycle of each bank:
1. Industrial and Commercial Bank of China: Generally, the annual fee for the first year will be charged after the card is activated for one year, and the annual fee for the following years will be deducted on the basis of this time. The annual fee will be charged immediately after the card with rigid annual fee is activated, and it will not be reduced.
2. China Construction Bank: The annual fee is determined according to the validity period of the card. The month within the validity period is the beginning month of the card-holding year, and the month of the following year is the card-holding year. The annual fee will be charged immediately after the card with rigid annual fee is activated, and it will not be reduced. After the high-end credit card is approved, an annual fee will be charged (whether activated or not).
3. Bank of China: the billing date from the first billing date after activation to the billing date in the same month of the following year is an annual fee year. Annual fee year refers to the first billing date after card activation to the billing date of the same month of the following year.
4. Agricultural Bank of China: The policy is formulated once a year, subject to the inquiry in that year. The annual fee will be calculated one month after the meat inspection approval card is issued.
This concludes the introduction of how to calculate the first year of credit card and how to calculate the interest of credit card in the first year. I wonder if you have found the information you need?