The ways to check the annual fee of credit card are as follows:
1. Counter inquiry: You can bring your ID card and credit card to the counter of the issuing bank's business outlets to apply for checking the annual credit card fee.
2. Online banking inquiry: You can log in to your personal online banking account and inquire about the annual credit fee in your personal account information.
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.
1. The annual fee policy of most banks has not changed. General standard credit card annual fee is about 100 yuan, and gold card annual fee is generally 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. However, the annual fee standard of credit cards of different banks will be different according to different cards. For example, the annual fee of the standard credit card of Shanghai Pudong Development Bank is the main card 180 yuan and the auxiliary card 90 yuan; Gold card annual fee 360 yuan, main card, auxiliary card 180 yuan; Annual fee for Pudong Development Co-branded Card 360 yuan; As for PUFA McDull series credit cards, the signboard of "Free Annual Fee for Life" has been put up. Therefore, even for credit cards issued by the same credit card center, the annual fee standard will be very different. Cardholders should first ask how high this "potential cost" is when handling cards.
2. How to avoid the annual fee of credit card?
There are usually two ways to avoid annual fees. The first one is that the number of swipes reaches the condition of annual fee-free for banks, which is suitable for ordinary credit cards, such as ordinary cards and gold cards. When it reaches the standard, banks will automatically reduce or exempt cards. The second is to redeem points for free, which is suitable for high-end credit cards, such as platinum cards. Cardholders need to call the bank to apply, otherwise they will not be exempted.
3. What should I do if I deduct the annual fee from my credit card?
Pay off the arrears first, and then call the bank to ask if the customer service can refund the annual fee. Usually, like an ordinary card, after deducting the annual fee, it can reach the standard by replenishing the brush. For example, China Merchants Bank will reduce the annual fee by swiping the card 6 times, and make up for it 6 times after deducting the annual fee. Then call the customer service and ask the customer service to refund the annual fee, which will usually be returned on the next billing day. This requires everyone to pay attention to the next bill. If there is any arrears, the returned annual fee will first offset the arrears.
Operating environment: apple 12iOS 14.
How to check the annual credit card fee?
The ways to inquire about the annual credit card fee are as follows: you can call the customer service phone of the credit card issuing bank, and then transfer to manual service, and ask the customer service to help inquire about the annual credit card fee; You can go to the local issuing bank's business outlets and ask the counter staff to help you check the annual fee; You can also check the annual fee when you find the details of the credit card on the mobile banking APP or personal online banking.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.
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 limits.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.
20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.
In order to avoid being charged by the bank, some cardholders turn to the bank to apply for a temporary increase in overdraft limit, the increase rate is mostly 10%-20%, and the term is usually 1 month. After the specified time, the credit card was restored to the original limit. Therefore, cardholders must remember the term of the temporary limit to avoid the phenomenon of overdue repayment of credit cards.
How to check the annual fee of BOC credit card?
1. The best way to inquire about the annual credit card fee of BOC is to directly call the customer service telephone number of BOC Credit Card at 400-669-5566, and provide personal identification information and credit card information. In addition, it is not possible to check the annual credit card fee through China Bank's online banking, Colorful Life APP, WeChat official account and other channels, and cardholders can only check the time of collecting the annual credit card fee in Colorful Life APP card management.
2. In addition, the annual credit card fee of China Bank is deducted first. After the cardholder meets the credit card reduction and exemption conditions, contact customer service to return it.