Hello! Taking the Xi'an branch as an example, if you are a customer in other cities, please indicate the city where you opened your account for further verification. Starting from November 1, 2007, Xi'an Branch began to charge an account management fee of 10 yuan/month/card for the "All-in-One Card" gold card account with monthly average daily assets of less than 50,000 yuan; what conditions can be exempted if the assets do not meet the standard? Account management fee 1. For agency salary accounts, the judgment will be based on agency transactions within six months starting from July 1, 2011; 2. The enterprise annuity card (i.e. Golden Life Card) waives account management fees for enterprise annuity accounts opened in our bank; 3. For personal asset accounts that are being repaid (including housing mortgage loans, automobile consumer loans, comprehensive consumer loans, personal mortgage loans, personal business loans, etc.), as long as the all-in-one card is used as a loan repayment account, and the loan is not settled, no repayment transaction is required. The account management fee can be waived, including for the second debit account; when billing at the end of the month, the system determines that the personal asset account is being repaid, that is, the account whose loan has not yet been settled, and the system will waive the account management fee. The system automatically determines billing when the month is settled; 4. Credit card automatic debit accounts (including linked credit card personal card accounts, large-amount installment accounts (Car Purchase Easy, Home Improvement Installment), personal debt-bearing commercial card accounts; the judgment is based on whether the credit card account status is normal and the associated agreement is valid, no need for the current month Generate deduction records); 5. Accounts associated with third-party custody are exempted (only if the transfer agreement status is normal); any "All-in-One Card" gold card account opened in our bank that confirms the third-party custody relationship is exempted. 6. For the "All-in-One Card" gold card with "Easy Consumption" and "Easy Turnaround" functions, the agreement status is non-closed, including four states: activated, suspended, frozen, and deactivated***; 7. Retirement account, minimum living allowance Account management fees are waived for accounts, medical insurance accounts, and unemployment insurance accounts. Customers need to provide relevant certification materials issued by valid institutions such as government agencies, neighborhood committees, and workplaces. If you still have questions, it is recommended that you consult China Merchants Bank's "Customer Service Online"/cmu/icslogin.aspx?from=B&logincmu=0, we will serve you wholeheartedly!