Because you didn't cancel, the Agricultural Bank of China will deduct the annual fee every year, resulting in your credit card arrears. If you don't pay attention to this credit card repayment reminder, it will lead to overdue repayment and a bad record, so I suggest you cancel it immediately if you don't use it.

According to the corresponding regulations on the annual fee collection of credit cards, banks are not allowed to charge annual fees for credit cards before the cardholders are activated. However, most people are ignorant of the various rules for handling annual fees in different banks. The annual fee of credit card is mostly around 100 yuan, and some banks stipulate that the annual fee can be waived by swiping it three times a year.

The annual fee policy of most banks has not changed. Generally, the annual fee for standard credit cards is around 100 yuan, while the annual fee for gold cards is generally in 200 yuan or 300 yuan. The annual fee of a single-currency card is lower than that of a dual-currency card. Generally, the annual fee of the supplementary card is halved corresponding to the annual fee of the main card.

However, the annual fee standard of credit cards of different banks will be different according to different cards. For example, the annual fee of the standard credit card of Shanghai Pudong Development Bank is the main card 180 yuan and the auxiliary card 90 yuan; Gold card annual fee 360 yuan, main card, auxiliary card 180 yuan; Annual fee for Pudong Development Co-branded Card 360 yuan; As for PUFA McDull series credit cards, the signboard of "Free Annual Fee for Life" has been put up. Therefore, even for credit cards issued by the same credit card center, the annual fee standard will be very different. Cardholders should first ask how high this "potential cost" is when handling cards.

Actually, for most cardholders, the annual fee is not a problem. The key is whether the annual fee-free index is easy to achieve. From the survey, we found that most credit card centers did not adjust the original annual fee-free standard, only a few increased it.

/kloc-from August 0/3, most credit cards can be exempted from the annual fee for the first year, and the annual fee can be reduced or exempted when swiping the card for a certain number of times or a certain amount. The relatively low standards are the standard cards of China Construction Bank and China Everbright Bank. Cardholders can waive the annual fee for the following year as long as they swipe their cards three times a year. Among them, the cumulative number of swipes can be combined between the main card and the auxiliary card of Everbright Credit Card, that is, the main card and the auxiliary card swipe their cards for three times, which can be exempted from the annual fee.