There is an annual fee for credit cards, because the number of swipes is not enough. You can call the credit card customer service hotline of the issuing bank and explain the reasons to the customer service.

According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.

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.

There are five major credit card brands in the world, namely VISAInternational and MasterCardInternational, and five professional credit card companies, namely AmericaExpress, DinersClub and JCB Japan International Credit Card Company. There are also some regional credit card organizations in various regions, such as EUROPAY in Europe, UnionPay in China, and the United Credit Card Center in Taiwan Province Province.

How to deduct the annual credit card fee of China Bank?

During the credit card year of China Bank, if the accumulated credit card spending of local and foreign currency accounts in that year meets the following conditions, the annual fee may be reduced or exempted, except for special card types:

1. Individual Jinpu cards are free of annual fees in the first year and 5 in the second year (8 for Ms. Ti cards); Supplementary card annual fee waiver policy is the same as the main card;

2.20 17 -20 18 new platinum card customers are exempted from the annual fee in the first year, and the annual fee for new and old customers in the next year needs to be reduced or exempted 12 transactions are over 20,000 yuan, or the annual fee can be exchanged for 65,438+million trading points; The annual fee exemption policy for supplementary cards is the same as that for main cards.

The above contents are for your reference. Please refer to the actual business regulations.

How to deduct the annual fee from the credit card?

Hello, under normal circumstances, the annual fee deducted by credit card can be refunded by consulting customer 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 annual fee deducted must be returned, otherwise it will be overdue;

Use a credit card to make up for the number of swipes. Not all annual fees can be refunded, such as the rigid annual fee for platinum cards, and some special annual fees or annual fees deducted from points. Generally, most of the annual fees that can be refunded can be reduced or exempted through the number of swipes, which is in line with this situation.

Extended data:

The annual fee deducted from the credit card is as follows:

The first thing that comes to mind is the annual credit card fee. Generally, debit cards have no annual fees, while most credit cards have annual fees. Generally, the higher the credit card level, the higher the annual fee, which is basically Platinum Card > Gold Card > Ordinary Card.

The annual fee of credit card can be exempted, and most banks generally reduce the annual fee by reaching the number of consumption. I believe that many card friends are unwilling to pay this fee, but sometimes they fail to calculate the annual fee cycle of credit cards due to negligence, and fail to meet the requirement of annual fee exemption.

How to deduct the annual fee from the credit card? Doing three things well is actually rewarding!

As we all know, the annual fee is a compulsory charge for credit cards. Although many ordinary cards and gold cards can reduce the annual fee by swiping the card, if the card fails to meet the standard, the annual fee will still be deducted by the bank. So, what should I do in this situation? What I want to tell you is that if you don't swipe your credit card enough times and charge an annual fee, you only need to do three things well, and maybe the bank can pay you back!

How to pay the annual fee deducted from the credit card?

What I want to say here is that not all annual fees can be refunded, such as the rigid annual fee for platinum cards. There are also some annual fees for special cards, or annual fees deducted from points. Most of the annual fees that can generally be refunded can be reduced or exempted through the number of swipes. In line with this situation, after discovering that the annual fee has been deducted, do these three things immediately:

1. Call the credit card customer service hotline of the issuing bank, explain the reasons to the customer service, and ask for a refund of the annual fee after completing the number of swipes. If the bank does not agree, it can threaten to return the card without refunding the annual fee.

If the bank agrees, you have to pay off the annual fee first. After all, the deducted annual fee should be paid back, otherwise it will be overdue;

3. Use a credit card to make up for the number of swipes.

After doing these three things, you will be surprised to find that the bank really refunded your annual fee to your credit card account. This method is not nonsense. Some card friends have experienced it personally, which is really feasible.

Let me give you an example:

Card friend Xiaoqi's credit card 1 1 was not swiped in1October, but was detained in 80 yuan. The annual fee exemption this year was not enough, but he was reluctant to spend the money, so he called the issuing bank and said that he forgot to swipe his credit card enough times. He wants to know whether he can waive the annual fee.

The bank customer service readily agreed, but he needs to pay back the deducted annual fee first, and then make up the number of swipes. The annual fee will be refunded in the next month's bill. Xiaoqi went to the supermarket to shop with a credit card three times. Indeed, in the bill of June 5438+February, the bank returned it to 80 yuan.

This concludes the introduction of how to charge the annual fee for credit cards and how to charge the annual fee for unused credit cards. I wonder if you have found the information you need?