No, at present, Zheshang Bank's credit card is not activated and there is no annual fee, so are the four major banks.
However, if it is not used for a long time, once it is activated, all the annual fees owed will be added in the first month.
Therefore, it is better to cancel the card that was not activated a few years ago.
Zheshang Bank is the 12 joint-stock commercial bank approved by China Banking Regulatory Commission, which is called "Zheshang Bank Co., Ltd.".
How to charge the annual fee of China Bank Great Wall Zheshang Credit Card?
China Bank Great Wall Zheshang Credit Card Annual Fee:
1, charging standard: 280 yuan/year.
2. Special note: the annual fee is inevitable. After the annual fee is charged, deposit, withdrawal, transfer and other expenses. It can be reduced at the counter/ATM of the Bank of China.
The above contents are for your reference. Please refer to the actual business regulations.
If in doubt, please consult the online customer service of China Bank or download and use the mobile banking APP of China Bank to handle related business.
How much is the annual fee of Zheshang Bank UnionPay standard card? There is no annual fee for brushing several times.
Many cardholders pay attention to their annual fees when applying for credit cards. After all, most banks charge an annual fee for credit cards, and the annual fee varies according to the card type. But if you apply for a credit card from Zheshang Bank, you don't have to worry about this annual fee at all. Why on earth is this? Let's take Zheshang Bank UnionPay standard card as an example to introduce the specific reasons.
The annual fee of credit card refers to the use fee of credit card, which can be deducted after a certain number of swipes. However, the frequency of annual fee exemption for different cards is different, and the standard published by the issuing bank shall prevail.
The annual fee of credit card in most banks varies according to the level of the card, ranging from tens to tens of thousands. The specific charging standard depends on how the bank stipulates.
Among all commercial banks, the annual credit card fees of Zheshang Bank are also set in different grades. Ordinary cards have the lowest annual fee, gold cards have a medium annual fee, and unlimited cards such as platinum cards have the highest annual fee. Take this UnionPay standard card as an example. There are two kinds of cards: ordinary cards and gold cards, and the annual fees are also different.
Although I haven't seen the specific annual fee of this card in official website, according to experience, it is estimated that the annual fee of Puka is higher than that of Gold Card. It is not clear whether it is dozens or hundreds.
However, I want to tell you a good news here. In order to attract customers, Zheshang Bank's credit card exempts customers from seven fees, including national universal deposit and withdrawal fee (except overdraft withdrawal), SMS notification fee, annual fee, replacement/replacement fee, bill payment fee, certificate issuance fee and over-limit fee.
Zheshang Bank stipulates that from April 28th to June 28th, 20 15, 12, 3 1, there is no annual fee for unlimited cards, diamond cards, platinum cards, gold cards and ordinary cards, which means that cardholders do not have to pay any annual fees during this period.
(Free of annual fee and seven major fees, with low installment rate)
Is there an annual fee for Zheshang Bank credit card?
Cardholders want to know whether there is an annual fee for credit cards. At this time, they can inquire through various channels, such as calling the bank customer service hotline, and the bank customer service will tell the annual fee of the credit card and know the policy of reduction and exemption. Users can also go to the bank counter with their credit cards, or they can know.
When the annual fee of a credit card is waived, the annual fee can only be waived if the card is swiped for a certain number of times. If the number of credit card swipes does not meet the requirements, the annual credit card fee cannot be reduced. Credit cards should be returned in time after the annual fee is incurred, and cannot be returned after the time limit, otherwise there will be penalty interest.
After the annual credit card fee is generated, the user should return it in time. However, many banks have introduced replenishment policies. As long as the number of subsequent card swipes meets the requirements, the bank will refund the annual fee charged. It should be noted that overdue repayment of annual credit card fees will affect personal credit information, and the deterioration of credit information will affect the handling of various loans.
Credit cards must also be repaid on time in daily use. If you can't repay on time, you can use installment repayment or minimum repayment amount to reduce the monthly repayment amount and avoid overdue repayment. Follow-up individuals can repay in advance if they have spare money, reducing the handling fee.
Credit cards should measure their repayment ability in daily use, and they can be used for consumption when personal income is relatively high; If your personal income is relatively small, you should use your credit card carefully to avoid the situation that you can't pay it back on time in the future. If you can't return it, you can borrow money from friends around you, so as to avoid overdue.
This is the end of the introduction on how to avoid the annual fee of Zheshang Credit Card. I wonder if you found the information you need from it?