Hello, credit card holders of China Construction Bank can use it to reduce their rights and interests if they want to avoid the annual fee. To put it simply, the annual fee of CCB credit cards can be deducted by the number of swipes, but the number of swipes free of annual fees for different credit cards is also different. According to the regulations of the issuing bank, the frequency of credit card swiping includes online payment such as Alipay, credit card swiping, cash withdrawal, etc pass deduction and so on.