For cardholders, in addition to defining the overdraft limit, withdrawal fee, interest-free period and installment fee of credit cards, they should also grasp the annual fee policy of banks in time.
At present, credit card online shopping is very popular, but most banks have not included online payment in the number of credit card consumption. Consumers need to swipe their cards at physical merchants, and the number of swipes reaches the free limit in order to reduce the corresponding annual fee.
Since most banks have no restrictions on the consumption amount of a single credit card, cardholders can generally easily reach the free standard as long as they don't confuse the calculation of the number of physical credit cards.