What should I do if the annual fee is charged on my credit card?

Hello, under normal circumstances, the annual fee deducted from your credit card can be refunded by consulting customer service.

The credit card customer service hotline explained the reason to the customer service and requested that the annual fee be refunded after making up the number of credit card swipes. If the bank disagrees, it can threaten to cancel the card without refunding the annual fee. If the bank agrees, you must first pay off the annual fee. After all, the deducted annual fee must be repaid, otherwise it will be overdue;

Swipe the card with your credit card to make up the number of card swipes. Not all annual fees can be refunded. For example, the rigid annual fee of the Platinum Card cannot be refunded. There are also annual fees for some special cards, or annual fees deducted with points. Generally, most of the annual fees that can be refunded can be refunded through The annual fee that is reduced based on the number of card swipes is consistent with this situation.

Extended information:

The annual fee charged by the credit card is introduced as follows:

The first thing that comes to mind is the annual fee of the credit card. Generally, debit cards have no annual fee, while most credit cards do. Generally, the higher the level of credit card, the higher the annual fee will be. Basically, platinum card > gold card > regular card.

The annual fee for credit cards can be waived, and generally most banks will waive the annual fee by reaching the number of purchases. I believe that many cardholders are unwilling to pay this fee. However, sometimes they fail to meet the requirements for annual fee exemption due to negligence and failure to calculate the annual fee cycle of their credit card.

What should I do if my credit card is charged an annual fee? You can get it back if you do 3 things well!

As we all know, the annual fee is a mandatory fee for credit cards. Although many regular and gold cards can reduce the annual fee by swiping the card, if the card is not swiped up to the standard, the annual fee will be deducted by the bank. So, what should you do if you encounter this situation? What I want to tell you is that if you don’t use your credit card enough times and are charged an annual fee, you just need to do 3 things, and maybe the bank can refund it to you!

How to refund the annual fee charged to a credit card?

What I want to say here is that not all annual fees can be refunded. For example, the rigid annual fee of the Platinum Card cannot be refunded. There are also annual fees for some special cards, or they can be deducted with points. Annual fees, and most of the refunds are annual fees that can be reduced by the number of card swipes. In this case, after discovering that the annual fee has been deducted, do these three things immediately:

1. Call Call the credit card customer service hotline of the issuing bank, explain the reason to the customer service, and ask for a refund of the annual fee after making up the number of credit card swipes. If the bank disagrees, it can threaten to cancel the card without refunding the annual fee.

2. If the bank agrees, you must first pay off the annual fee. After all, the deducted annual fee still needs to be repaid, otherwise it will be overdue;

3. Take a credit card Swipe your card to make up the number of swipes.

After doing these 3 things, you will be pleasantly surprised to find that the bank has actually refunded your annual fee to your credit card account. This method is not nonsense. Some card friends have experienced it personally and it is indeed feasible.

Here is an example:

Card friend Xiaoqi’s credit card did not use the card for purchases in November, but it was deducted 80 yuan. Only then was the annual fee waived. I didn't swipe the card enough times, but I didn't want to spend the money in vain, so I called the card issuer and said I forgot that I didn't swipe the credit card enough times and wanted to know if the annual fee could be waived.

The bank customer service readily agreed, but he needed to pay back the deducted annual fee first, and then make up for the number of credit card swipes, and the annual fee would be refunded in the next month's bill. Xiao Qi hurriedly went to the supermarket to swipe his credit card three times for shopping. Sure enough, in the December bill, the bank refunded him 80 yuan.

What should I do if my credit card has been charged an annual fee and how to get it refunded?

If your credit card has an annual fee reduction policy, you can call customer service to apply for a recharge and complete the recharge within the specified time. , and then contact customer service. The annual fee deducted will be refunded to the credit card account. The annual credit card fee must be charged and cannot be reduced. If your credit card does not have this policy, the annual fee has already been deducted, so you cannot apply for a refund.

Annual fee charging standards for credit cards

The annual fees for credit cards vary depending on the type and level of the credit card, as well as the primary card and supplementary card. Take the four major banks as an example:

1. Bank of China credit card annual fee

(1) The annual fee for Bank of China Great Wall RMB card and regular card is 20 yuan, and the annual fee for gold card is 100 yuan. The annual fee for platinum card is 1,000~4,000 yuan.

(2) For BOC Great Wall International Card, the annual fee for the US dollar card is 12 US dollars, the annual fee for the Hong Kong dollar card is HK$100, and the annual fee for the Euro card is 12 euros. The above is the annual fee for the main card, and the annual fee for the regular card and supplementary card is half of the annual fee for the main card.

(3) The annual fee of the Bank of China Great Wall International Gold Card is US$25, the annual fee is HK$200, the annual fee of the Euro Card is US$22, and the annual fee of the Gold Card sub-card is half of the annual fee of the Gold Card main card.

2. Agricultural Bank of China credit card annual fee

Agricultural Bank of China’s credit cards include ordinary cards, gold cards, platinum cards and business cards. The annual fee for a personal platinum card is 300-3,000 yuan, and the annual fee for an additional card is 150-2,000 yuan; the annual fee for a personal gold card is 160-200 yuan for the main card, and 80-100 yuan for the supplementary card; the annual fee for an individual ordinary card is 80-100 yuan for the main card. The supplementary card costs 40-50 yuan; the annual business card fee is 200 yuan per year.

3. ICBC credit card annual fee

(1) The annual fee for the main credit card is 100 yuan, and the annual fee for the supplementary card is half of the annual fee for the main card; the main credit card for single currency The annual fee is 50 yuan, and the annual fee for the supplementary card is half of the annual fee for the main card.

(2) The annual fee for a gold card is 200 yuan for the main card and 100 yuan for the supplementary card; the annual fee for a single-currency credit card is 100 yuan for the main card and 50 yuan for the supplementary card.

(3) The annual fee of the main platinum card is 2,000 yuan, and the secondary card is half of the main card;

①The annual fee charged by the simple platinum card is 1,000 yuan, and the annual fee of the secondary card is 1,000 yuan. The card is half of the main card;

②The annual fee for the Centurion Platinum Express Card main card is 3,600 yuan/year, and there is no annual fee for the sub-card;

③UnionPay Standard Platinum Card annual fee The fee is 1,800 yuan per year, and the supplementary card is half of the main card.

4. China Construction Bank Credit Card Annual Fee

The annual fee for the main credit card is 80 yuan, and the annual fee for the supplementary card is half of the annual fee for the main card; the annual fee for the main credit card gold card is 160 yuan Yuan, the annual fee for the supplementary card is half of the annual fee for the main card; the annual fee for the standard platinum card is 580 yuan for the main card, and the annual fee for the supplementary card is 300 yuan; the annual fee for the exquisite platinum credit card is 1,800 yuan for the main card, and the annual fee for the supplementary card is 1,200 yuan.

What to do if the Bank of China credit card deducts the annual fee?

During the year of use of the Bank of China credit card, if the accumulated card consumption in the domestic and foreign currency accounts in the year meets the following conditions, the annual fee for the current year can be reduced or exempted. Special card types Except:

1. The annual fee for the first year is waived for the personal Gold Card, and the annual fee for the following year is waived for 5 transactions; the annual fee reduction policy for supplementary cards is the same as that for the main card;

2. 2017-2018 New platinum card customers are exempted from the first-year annual fee. The annual fee for existing customers and new customers in the following year must be waived for 12 transactions of 20,000 yuan or more, or 100,000 transaction points can be used to redeem the annual fee; the annual fee reduction policy for supplementary cards is the same. Main card.

If you have any objection to the annual fee deducted, you can call the customer service hotline for further consultation.

The above content is for your reference, please refer to actual business regulations.

How to refund the annual fee of a credit card?

Most of the annual fees for credit cards that can be refunded are those that can be reduced by the number of card swipes. Users who meet this situation can call the credit card customer service hotline of the issuing bank after discovering that the annual fee has been deducted, explain the reasons and needs to the customer service, and request that the annual fee be refunded after making up the number of credit card swipes. The annual fees of some special cards or the annual fees deducted with points cannot be refunded, such as the rigid annual fee of the Platinum Card.

Generally, the annual fee deducted from your credit card can be refunded by contacting customer service. Apply to the customer service through the credit card customer service hotline to make up the number of credit card swipes and then refund the annual fee. If the bank agrees, you must first pay off the annual fee. After all, the annual fee that has been billed must still be repaid, otherwise it will be overdue; then use your credit card to swipe the card to make up for the number of swipes.

It should be noted that not all annual fees can be refunded. For example, the rigid annual fee of the Platinum Card cannot be refunded. There are also annual fees for some special cards, or annual fees deducted with points. Generally, most of the refunds are annual fees that can be reduced by the number of card swipes, which is consistent with this situation.

Most bank credit cards have annual fees, but only a small number of credit cards offer lifetime annual fee exemptions. Credit cards have different annual fees depending on the type and level of the card, depending on the bank. For example, the annual fee for the ICBC credit card is 50 yuan for the regular card and 100 yuan for the gold card.

Many cardholders have misunderstandings about the timing of annual fee collection. They believe that the annual fee for credit cards is the same as that for debit cards, and the annual fee is charged uniformly at a fixed time. This is not the case. Most credit card annual fees are calculated from the card verification date to the following year.

For example, if the validity period on the front of the card is 06/15, it means that the card is valid until June 2015, so the annual fee is usually charged on a certain day in June every year. However, some banks count one year from the cardholder's card opening date to the day of the following year, such as China Construction Bank, China Guangfa Bank, etc. In the former case, if the cardholder does not open the card within the first year after applying for the credit card, and waits until the second year to open the card, and the annual fee is not waived in the first year, the annual fee will be charged directly. Therefore, cardholders must pay attention. It is best to call the credit card customer service center of the issuing bank to ensure that there is no mistake.

This is the introduction of what to do if the annual fee is charged on your credit card.