A natural year is a period of 365 days for the earth to rotate once, and a leap year occurs once every four years. For example, 2009.01.01-2009.12.31 is called a natural year

Credit card exemption for the first year The annual fee refers to the "cycle year", which is the 12-month starting month of the validity period printed on the card. For example, "VALID FROM 11/07" is printed on the card, which means that the first year is from November 2007 to November 2008, and there will be no annual fee charge on the bill during this period. If you pay 6 times in a cycle (including online payments, no single amount is limited), you will be exempted from the annual fee in the next cycle (November 2008 to November 2009), and so on~