1. Credit card spending: within three months after the credit card is issued, as long as you spend six times or more at Huaxia Bank credit card merchants or domestic and foreign merchants, you can be exempted from the annual fee for the first year.
2. Redemption of points: To use Huaxia Bank credit card points to redeem annual fees, you need to log in to Huaxia Bank credit card official website or mobile banking to redeem them.