Many cardholders apply for the first credit card not out of their own will, but because they want to get some gifts and so on, so they do it passively. After handling, I found that my credit limit is not high, so many cardholders will choose not to use the card. Why do you have to pay 300 yuan's annual fee when the credit card is useless? The answer is actually very simple!
Why do you have to pay 300 yuan's annual fee when the credit card is useless?
The annual credit card fee is actually a just-needed fee, and almost every credit card needs to charge an annual fee. It's just that many credit cards are exempt from the annual fee as long as they pay enough XX fees or XX transactions, so many cardholders don't really pay the New Year fee. But for some cardholders who don't use credit cards very much, the annual fee is just needed.
It is suggested that the cardholder can call the bank customer service to discuss whether the annual fee can be refunded. If you can't refund the annual fee, you need to pay the annual fee as soon as possible according to the charging standard. The overdue annual fee is also a breach of contract and will be recorded in the credit report. Some credit cards have a rigid annual fee, which will be generated even if they are not opened. Cardholders are advised to cancel their credit cards as much as possible without using them.
If the cardholder's annual fee is overdue, it is recommended to call the bank customer service in time to explain that he forgot to charge the annual fee for swiping the card, and whether he can make up the number and amount of swiping the card in time. There are also some banks that take care of customers who forget to pay the annual fee and will pay them back first. Not all annual fees can be refunded. For example, for some cards with higher levels and more rights, the rigid annual fees that need to be paid cannot be exempted.
Cardholders should never sell their cards or leave them idle because they are angry and don't pay the annual fee. The annual fee is small and the credit information is large. For cards that are not commonly used and can be cancelled, cardholders must manage credit card consumption well to avoid unnecessary troubles and losses.
The above is the related content sharing of "I have to pay back the annual fee of 300 yuan if my credit card is useless". I hope it will help everyone!
How much is the annual credit card fee?
The annual credit card fee refers to the fee that the cardholder needs to pay to the bank during the use of the credit card. Generally, the annual credit card fee starts after the cardholder activates the credit card and is charged annually. Different levels of credit cards have different standards for charging annual fees; Different card-issuing banks have different annual fees.
In general, the annual fee for Puka is 100- 150 yuan; The annual fee for a gold card is 300-500 yuan, and the annual fee for a platinum card is often above 1000 yuan.
Credit card refers to various media that record the relevant information of the cardholder's account, have the function of bank credit line and overdraft, and provide relevant banking services for the cardholder.
The main features of credit cards:
1. Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.
2. Credit card has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;
Credit card is a high-tech product integrating financial business and computer technology.
4. Credit cards can reduce the use of cash and currency;
5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;
6. Credit cards can simplify the collection procedures and save social labor;
7. Credit cards can promote commodity sales and social needs.
Main types
According to different card issuers, it can be divided into bank cards and non-bank cards.
Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.
Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.
According to the different issuing banks, it can be divided into corporate cards and personal cards.
Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.
Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.
According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.
Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.
Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.
Annual credit card fee
People are often not very clear about the concept of annual credit card fee. I don't know why there are such charging items. Let me introduce it to you.
How much is the annual credit card fee?
The annual fee of credit card can actually be said to be the management fee of credit card. After the cardholder activates the credit card, the bank will deduct a certain fee from the limit on a fixed day.
Credit card annual fee standard
Almost all credit cards issued by banks have annual fees, ranging from 10 yuan to several thousand yuan, depending on the card level. The more advanced the credit card, the higher the annual fee. For example, the annual fee of many platinum cards ranges from 800 yuan to 5,800 yuan.
Credit card annual fee-free policy
In order to encourage consumers to use credit cards, banks will implement an annual fee-free policy according to the level of credit cards. For example, the credit card with the lowest general level can be spent 3 to 6 times a year, and the annual fee for the following year can be exempted.
However, it should be noted that some high-grade credit cards have strict annual fee-free policies. For example, if you have a platinum card, you must swipe it 20 times, and the amount exceeds 80,000 yuan to avoid the annual fee; Platinum cards have an annual fee even if they are consumed, so there is nowhere to hide this fee, so you must be cautious when handling platinum cards.
Credit card deduction time of major banks
1. Industrial and Commercial Bank of China: The number of card swipes will be settled from the card activation date, and will be counted as one year from the corresponding date in the following year. If you don't meet the conditions of annual fee exemption. The annual fee will be charged on this day. ICBC's annual fee deduction will generally be reminded by SMS one month in advance.
2. Bank of China: Like industry and commerce, the number of credit card swipes will be settled from the activation of the card, and will be settled for one year on the corresponding day of the following year. For example, the card will be activated in August 10, and the annual fee will be collected in August next year 10, and so on.
3. China Construction Bank: It will be charged from the first billing date of the card-holding year.
4. Bank of Communications: The number of card swipes shall be settled from the card activation date, and one year shall be counted from the corresponding date of the following year.
5. China Merchants Bank: The date of issuance shall prevail. For example, the card issuing date is 1 65438+1 October1,and the annual fee is calculated from165438+1October 3/the following year.
6. Guangfa Bank: The number of card swipes shall be settled from the card activation date, and one year shall be counted from the corresponding date of the following year.
7. CITIC Bank: The number of card swipes shall be settled from the card activation date, and one year shall be counted from the corresponding date of the following year.
8. Ping An Bank: The number of card swipes shall be settled from the card activation date, and one year shall be counted from the corresponding date of the following year.
9. Minsheng Bank: The number of credit card swipes shall be settled from the card activation date, and one year shall be counted from the corresponding date of the following year.
10, China everbright bank: the number of card swipes shall be settled from the card activation date, and counted as one year from the corresponding date of the following year.
Why is there an annual fee for credit cards?
Banks issue credit cards only to make money, to be precise, to make money without risk.
When banks issue credit cards, they actually lend money. Lending is not as simple as absorbing reserves, and banks must consider the risk of funds.
In order to control the risk of funds, banks have established a set of credit system as an important basis for enterprises and individuals to lend.
With the credit mechanism, but without the credit records of customers, banks still have no way to judge the Excellence of customers.
In order to establish a perfect credit system, banks must introduce a simple and easy way for all customers to borrow, so credit cards appeared.
Because credit cards have the following characteristics:
1, credit card review, business card printing and issuance are all streamlined, and the issuance cost is very low compared with other loans.
2. Credit card has the widest coverage among all loan methods of banks.
The credit card bill is issued once a month, and the customer must repay it every month, which is the fastest way to withdraw funds.
Credit card is the most profitable of all bank loans.
Credit card is the least risky way to borrow.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.
Credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and make repayment on the checkout date.
Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts.
Credit card is a special carrier card with consumer credit issued by commercial banks to individuals and units. It is a card with the name of the issuer, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.
A real credit card has the following characteristics: cash is not allowed to be pre-deposited, it is paid after consumption, it enjoys an interest-free repayment period, and it can be repaid in installments (with a minimum repayment amount). Joining international credit card organizations such as VISA and MASTER can be used worldwide.
Why is there an annual fee for credit cards? Let's stop here.