The annual fee of this card is more than 900, which is deducted from the credit card consumption points. If you don't like it, you can call customer service to cancel it, and there is no annual fee. The annual fee-free policy for credit cards varies from bank to bank. After most banks handle credit cards, if they are not activated, they will not charge an annual fee, which is equivalent to not having a card.
The credit cards of Industrial Bank are mainly divided into two categories. One is standard card, including gold card and general card. Puka is free of annual fee in the first year. If you swipe your card five times, you will be exempted from the annual fee in the second year. The amount of the gold card is 50,000 yuan, and the annual fee can be waived by swiping the card five times a year. The other is Platinum Card, which contains many types of credit cards. The annual fee is also divided into 500 yuan, 600 yuan, 900 yuan and 2600 yuan. "The credit card has been processed but not activated. Is it an annual fee?" The staff said that the standard card is not activated and there is no annual fee, while once the platinum card and other products are issued, they will be charged an annual fee regardless of whether they are activated or not. For example, even if some banks are not activated, joint cards, platinum cards and VIP cards still have to pay annual fees. "For example, VIP cards will have some additional services. Because this kind of credit card has many functions, some banks have implemented the policy of not charging for this kind of credit card. " The industry insider said.
The Measures for the Supervision and Administration of Credit Card Business of Commercial Banks promulgated by CBRC 20 1 1 clearly points out that card-issuing banks should establish operating procedures for credit card activation and check the identity information of credit card holders before activation. A credit card whose applicant has not signed a contract (agreement) and whose identity has not been confirmed by the activation procedure shall not be activated. The credit card is not activated by the cardholder, and no fees may be charged. Under special circumstances, except for the cardholder's written charge, customer service telephone recording, electronic signature and the way recognized by both the cardholder and the issuing bank, the creditor-debtor relationship formed when changing the card.