Under normal circumstances, Everbright Bank Platinum Credit Card has no direct annual fee-free policy. The only way for users to avoid annual fees is to redeem them with credit card points. In general, the annual fee for the Platinum Credit Card of China Everbright Bank is 1 168 yuan/card/year. According to the regulations of China Everbright Bank, the cardholder can use 654.38+ 10,000 points to deduct the annual fee of 688 yuan in the first year, and the cardholder pays the annual fee by himself, 500 yuan; 200,000 points can be deducted from the full annual fee of the following year.

There are also relevant regulations for deducting the annual fee for Everbright Platinum Card points. In the first year of credit card opening, 654.38 million points plus 500 yuan can deduct the annual fee; In the second year, the annual fee can be directly deducted with full points, and the annual fee can be directly deducted with 200,000 points 1 188 yuan.

The annual fee of Platinum Credit Card of China Everbright Bank can be directly deducted by credit card consumption points. There are two main ways to deduct the annual fee for credit card points. One is to call the official customer service hotline of China Everbright Bank Credit Card Center directly, follow the voice prompts to enter the page of annual fee redemption, and then redeem according to the prompts. You can also directly transfer to manual customer service and apply to the bank staff for points exchange for annual fees.

Secondly, when the user's credit card points are enough to deduct the annual fee of Platinum Credit Card, the bank will send a short message directly to the cardholder, and the cardholder can complete the redemption according to the short message prompt.

Generally speaking, China Everbright Bank Platinum Credit Card still has to pay an annual fee and can only be redeemed with points. Moreover, the spot exchange rate stipulated by the bank is not a small number. If calculated according to the ratio of consumption 1 yuan to 1 minute, the cardholder must spend at least 65438+ ten thousand yuan. Compared with standard cards and gold cards, the annual fee-free threshold of credit card consumption is higher than that of China Everbright Bank Platinum Credit Card.

: How to cancel Everbright Credit Card?

1. Method 1: The user can call the customer service phone of China Everbright Bank and return the card through the prompt of manual customer service.

2. Method 2: Users can bring their ID cards and credit cards that need to be cancelled to the bank outlets for card cancellation. It should be noted that after the cancellation of the main card, the secondary card should also be cancelled, and the credit card debt should be repaid in time before the credit card cancellation.

When applying for the credit card of China Everbright Bank, you should fill in the application form and the real materials required by the card issuer correctly, completely and truly, and sign a contract with the card issuer. According to the applicant's application and credit status, the card issuer decides whether to approve his application, whether to require him to provide guarantee and guarantee method, and determines the credit limit.