Not all cards have dates in front of them. For example, 02/ 12 means that 20 12 expires in February. Because the validity period is three years, the card was issued in February 2009, and the period from February 2009 to 20 10 was the first year.

However, CCB cards are generally free of annual fees in the first year. You should see if you have them. If so, it will be the first year before February next year, from March 20 10 to February 201year. If you fail to swipe your card three times, your annual fee for the second year will be deducted on 20 1 1 month.

Whether you waive the annual fee for the first year or not, you will not charge the annual fee for one year from the month when your card is approved. . .