Have you seen a statement on your credit card to offset the annual fee? This means that China Construction Bank refunds your annual fee. It is more likely that your card has reached the end of the year and has not reached the required number of card swipes, so the annual fee has been deducted. Then you can make a few additional purchases within 2 months after the annual fee is deducted, and the system will automatically refund the annual fee. The specific regulations are that for Gold Card and Ordinary Card, you can make 3 transactions of any amount per year without annual fee, and make up for 3 transactions of any amount. For the standard platinum credit card, you can make 10 transactions a year without any annual fee. If you want to make additional payments, you only need to make 5 transactions of any amount. After meeting this number of times, CCB will automatically refund the annual fee to your credit card within 1 month from the last payment. You don’t have to apply to customer service yourself. However, some special card types, such as car cards and digital display dragon cards, which have rigid annual fees, do not have this measure.