As we all know, there is an annual fee for credit cards. If the annual fee waiver conditions are not met, you need to pay the annual fee all the time. Then, will there be an annual fee when the credit card expires? Let's take a look.

is there an annual fee when the credit card expires?

1 change the card after the credit card expires

in this case, the accounting, limit, points and other information in the old card will be transferred to the new card, and the new card will naturally generate the corresponding annual fee if it continues to be used. If the cardholder does not meet the conditions of the annual credit card fee, it is natural to pay the annual credit card fee.

2 Do not change the card after the credit card expires

In this case, the credit card will be automatically invalidated when it expires, and the cardholder can't continue to use the credit card to spend money, and naturally no new annual fee will be generated in the next year. However, in this year, if the cardholder does not meet the conditions for annual fee waiver, the annual fee will still be generated. And the expiration and invalidation of the credit card does not mean that the account has been cancelled. If the cardholder delays paying the annual fee, it may have a certain impact on personal credit information due to arrears.

credit card annual fee waiver conditions:

1 China Merchants Bank

is exempt from the annual fee in the first year, and the annual fee of the card in the next year can be exempted if a single card is consumed for six times at will, and so on. (except high-end credit cards, business cards and individual special credit cards)

2 China Construction Bank

After a certain number of transactions are completed, most credit cards of China Construction Bank can be exempted from the annual fee. In addition, CCB Life Card (except the PLUS version), single-label cards used overseas, special installment cards, provident fund credit cards and Red Cross members' dragon cards are exempt from annual fees within the validity period.

3 ICBC

Gold card, general card and simple platinum card are exempted from the annual fee for the current year if they spend 5 times or accumulate over 5, yuan (equivalent to foreign currency); The accumulated consumption of Platinum Card is RMB 2, (equivalent to foreign currency), which is exempt from the current annual fee, excluding online consumption, house purchase, car purchase, wholesale, public welfare and the consumption of other merchants who are determined by the Bank to be unable to accumulate points. In addition, some cards, such as Constellation Card, China Zanzan Card and ICBC Car E Card, are exempt from the annual fee within the validity period. And some platinum cards support individual comprehensive points to exchange for annual fees.

The above are some contents about the annual fee due for credit cards. I hope I can help you.