You need to activate the card by yourself after the postal bank handles it. After activation, you can use it, but it will also generate an annual fee. However, you can reduce it after meeting the conditions of annual fee reduction, that is, you don't need the cardholder to pay for it. But what if the conditions of reduction and exemption are not met, that is, the annual fee has already been generated?

how can I get rid of the annual credit card fee of Postal Bank?

The annual credit card fee of Postal Bank has been generated and cannot be waived, and the cardholder needs to pay it back himself. Because the penalty due to the annual fee and the credit problem will not be adjusted by the postal bank, the annual fee generated by the credit card needs to be paid back.

postal bank's annual fee collection rules for three levels of credit cards, except for Dingzhi Platinum Card and some special credit cards:

1 Ordinary credit cards are free of annual fees for life.

2 the gold card level main card is 125 yuan/year, and the supplementary card is 6 yuan/year, and the annual fee is exempted in the first year, and the annual fee in the following year is exempted after six swipes in the first year, excluding cash withdrawal.

3 Platinum-level credit card: the main card is 5 yuan/year, and the supplementary card is 2 yuan/year. The annual fee is free in the first year, and the annual fee of the main supplementary card is reduced or exempted for 2 times when the consumption reaches 7, yuan (calculated separately for the main supplementary card).

4. The main card of Dingzhi Platinum Credit Card is 2,6 yuan/year, which will be collected in the first year, and 2, points can be exchanged for the annual fee of the next year; The first two supplementary cards are free of annual fee, and the other supplementary cards are 13 yuan/year, which is charged in the first year, and 1, points can be exchanged for the annual fee of the next year.

5 Dingzhi Platinum Card Wealth Master Card is 26/ year, the annual fee is free in the first year, and the annual fee in the following year is reduced if the assets and points conditions are met in the first year, and so on.

Postal Bank's credit card annual fee waiver rules:

1. If the quarterly average daily assets are more than 1 million (inclusive) and the new points are more than 1, (inclusive), all annual fees will be waived;

2 If the quarterly average daily assets are more than 1 million (inclusive), but the newly added points are less than 1,, the annual fee will be reduced by half, and an annual fee of 1,3 yuan will be charged;

if the average daily assets in the third quarter are less than 1 million, an annual fee of 2,6 yuan will be charged;

4 after the annual fee is generated, 2, points can be exchanged for 2,6 yuan, and 1, points can be exchanged for 1,3 yuan.

The annual credit card fee of Postal Bank has been generated and will be included in the current bill. If you want to negotiate, you can call the postal bank service hotline to ask if there are any rules for reducing or exempting the customer service. If the bank clearly indicates that the annual fee cannot be reduced, it is recommended to pay it off in time. If the repayment date is overdue, it will have a great impact.