If the credit card is not used, the annual fee will only be deducted, and the credit card of China Construction Bank will not charge interest, nor will it charge any fees except the annual fee.

If you don't open your card after receiving it, and swipe your card for less than 3 times after opening it, the bank will charge you the annual fee of Gold Card 16 yuan and Puka 8 yuan one year later. Because the bank bill is repaid monthly, if you don't repay it on time, then every month before you pay off the annual fee, CCB will show that your repayment is outstanding, and it will also be reported to the personal credit system of the People's Bank of China. Once the credit system fails to record, it will affect your loan to any financial institution in the next two years.

If you don't want to incur any expenses, there is only one way, that is, call the 8 telephone manual desk to cancel your card manually. This is the only way to cancel the credit card of CCB, and there will be no fees in the future. If you tell your bank card that you have lost it, the bank will not waive your annual fee, and it will also advise you to report the loss, which will cost 5 yuan. Anyway, if you swipe your card three times in one year after opening it, there will be no annual fee next year, so why not?

Extended information:

Basic information of CCB's credit card

Annual fee-free policy: the annual fee of the following year is exempted when the Puka Gold Card is swiped for three times (excluding special cards such as business cards and automobile cards)

Cash withdrawal fee: within China: 1‰ of the transaction amount, with the lowest 2 yuan and the highest 5 yuan; Overseas: 3% of the transaction amount, with a minimum of $3.

Maximum interest-free period: 5 days

Multi-account management: line * * * Enjoy independent repayment on the billing day.

online payment: AliPay: it can be used after online registration, and the limit of single payment and single day is 5 yuan

installment business: support interest-free installment (3, 6, 12 and 24) for specific merchants. You can apply for installments (3, 6 and 12 installments) by phone after spending more than a single sum of money in 1 yuan, and each installment will generate different handling fees according to the number of installments.

billing date: 27th of each month, which can be revised once a year.

card type: gold card (with a quota of 1,-5, yuan)

currency: RMB

CCB credit card provides you with cash withdrawal (cash withdrawal) service, and you must pay a cash withdrawal fee to withdraw cash (cash withdrawal). According to the relevant regulations of the People's Bank of China and SAFE, the daily cash withdrawal (cash withdrawal) of each card in China does not exceed 5, yuan (except for overpayment outlets);

Reference: Baidu Encyclopedia Credit Card of China Construction Bank.