Credit card annual fee rules refer to some corresponding provisions of credit card annual fee. Before the cardholder activates the credit card, the bank shall not charge an annual fee. But most people know little about the annual fee rules of credit cards in different banks. The annual fee of credit card is mostly around 100 yuan, and some banks stipulate that the annual fee can be waived by swiping it three times a year. The annual fee policy of most banks has not changed. Generally, the annual fee for standard credit cards is around 100 yuan, while the annual fee for gold cards is generally in 200 yuan or 300 yuan. The annual fee of a single-currency card is lower than that of a dual-currency card. Generally, the annual fee of the supplementary card is halved corresponding to the annual fee of the main card.

The annual credit card fees of different banks are different, and so are the annual credit card fees of different types. Common annual credit card fees are as follows.

(1) China Construction Bank

China Construction Bank Puka Annual Fee 80 yuan, Gold Card Annual Fee 160 yuan;

② Agricultural Bank of China

Agricultural Bank of China Puka Annual Fee 80 yuan, Gold Card Annual Fee 160 yuan;

(3) Industrial and Commercial Bank of China

The annual fee for ICBC's general card is 50 yuan, and the annual fee for gold card is 100 yuan;

(4) Bank of China

The maximum annual fee for China Bank Puka is 100 yuan, and the maximum annual fee for Gold Card is 360 yuan.

(5) Bank of Communications

The maximum annual fee of Bank of Communications is 80 yuan, and the maximum annual fee of gold card is 1000 yuan.

The annual fee of credit card can be reduced. Generally, you can reduce the annual fee for the following year by swiping your card for a certain number of times every year. Please consult the corresponding bank for details.

Then why do you charge an annual fee for credit cards? When we apply for a credit card, the bank has a special audit department. In addition to the auditor's salary, the bank also has to pay the business card printing fee and mailing fee. The cost of issuing each credit card to the cardholder may be several hundred yuan, but some cardholders don't need it at all after getting the credit card. In order to avoid losses, the bank will charge an annual fee. In order to stimulate cardholders' spending by swiping their cards, banks generally stipulate that annual fees can be deducted after swiping their cards for a certain number of times. The number of annual fee waivers varies from bank to bank, subject to the standards published by the credit card issuing bank in your hand.