For example, if the cardholder's credit card is a nuclear card dated 202 1, then the ordinary credit card he holds will be swiped 6 times before September 0 1 in 2022, and the annual fee for the next year will be automatically reduced. Please consult the staff for details. Free annual fee means that in order to encourage cardholders to spend by swiping their cards, if cardholders fail to meet the standard of free annual fee, most banks will also give some customers free annual fee to retain customers, some by additional fee reduction, and some unconditionally.
In addition, the annual credit card fees of the Postal Savings Bank are Gold Card, China Travel Service Card, Xi 'an Expo Co-branded Card, Black Travel Card 125 yuan/year, and supplementary card 60 yuan/year; Self-mailing family co-branded cards: the main card 100 yuan/year, and the auxiliary card 50 yuan/year. In addition to the annual fee, the Postal Savings Bank will also charge SMS service fee, cash withdrawal fee, late payment fee, over-limit fee, bill reading fee, bill replacement fee, overpayment recovery fee, loss reporting fee and password letter replacement fee. You can also go to the nearby Postal Savings Bank outlets to ask the bank staff, or you can go to the Postal Savings Bank in official website to inquire.
Before you apply for a credit card, you must know all the expenses that need to be paid and all the expenses that the bank will deduct regularly to avoid unnecessary losses in the later period.
< strong > calculation standard of annual credit card fee cycle of each bank:
1. Industrial and Commercial Bank of China: Generally, the annual fee for the first year will be charged after the card is activated for one year, and the annual fee for the following years will be deducted on the basis of this time. The annual fee will be charged immediately after the card with rigid annual fee is activated, and it will not be reduced.
2. China Construction Bank: The annual fee is determined according to the validity period of the card. The month within the validity period is the beginning month of the card-holding year, and the month of the following year is the card-holding year. The annual fee will be charged immediately after the card with rigid annual fee is activated, and it will not be reduced. After the high-end credit card is approved, an annual fee will be charged (whether activated or not).
3. Bank of China: the billing date from the first billing date after activation to the billing date in the same month of the following year is an annual fee year. Annual fee year refers to the first billing date after card activation to the billing date of the same month of the following year.
4. Agricultural Bank of China: The policy is formulated once a year, subject to the inquiry in that year. The annual fee will be calculated one month after the meat inspection approval card is issued.