In this case, you can directly deduct the annual fee with the points, purchase the annual fee with the points, and exchange the annual fee with the cooperative merchants.

1, directly deduct the annual fee from the points. Cardholders can log in to the online banking or mobile banking APP within a specified time, select the credit card points redemption function, and convert the points into corresponding cash for deducting the annual fee.

2. Annual fee for integral purchase. At a specific time node, the cardholder exchanges the lower points for the corresponding annual fee voucher.

3. Cooperative merchants exchange annual fees. Cooperate with the designated cooperative merchants, and the cardholder will convert the points into corresponding annual fee vouchers.