Many cardholders believe that major banks will choose to deduct annual fees at the end of the year, and they will be busy swiping their cards at the end of the year. In fact, this is not the case. The editor reminds everyone that the annual fee for China Construction Bank credit card is charged in the month when the credit card is approved. For example, if the validity period is printed on the front of the card as "6/16", then the annual fee is generally charged in June of the current year, and the annual fee reduction period is from June of the current year to May of the following year.

In addition to the annual fee, you may not be very clear about the basic information, so I will tell you about it here.

Annual fee-free policy: Swipe the Gold Card 3 times to waive the annual fee for the following year (excluding business cards, car cards and other special cards)

Cash withdrawal fees: Domestic: 1‰ of the transaction amount, with a minimum of 2 yuan and a maximum of 50 yuan; overseas: 3 of the transaction amount, with a minimum of 3 US dollars.

Maximum interest-free period: 50 days

Multi-account management: ***enjoy independent repayment on the billing day.

Online payment: Alipay: can be used after online registration, single and single-day limits are 5,000 yuan

Instalment business: support interest-free installments (3 installments, 6 installments) at specific merchants Issue, Issue 12, Issue 24). After a single purchase of more than 1,000 yuan, you can apply for installments (3, 6, or 12 installments) by phone. Each installment will incur different handling fees depending on the number of installments.

Billing date: 27th of each month, can be modified once a year.

Card type: Gold card (limit 10,000-50,000 yuan)

Currency: RMB

China Construction Bank Credit Card provides you with cash withdrawals (cash withdrawals) Services, cash withdrawals (cash withdrawals) are subject to a cash withdrawal fee. According to the relevant regulations of the People's Bank of China and the State Administration of Foreign Exchange, within the country, the cumulative amount of cash withdrawals per card per day shall not exceed 5,000 yuan (excluding withdrawals at overpayment outlets);