1. SMS notification: Some banks are in good faith. They will send a short message one month before the annual fee cycle, telling cardholders how many times they need to swipe their cards to reduce the annual fee, and then just swipe enough times mentioned in the short message, just like CITIC Bank.

2. Telephone inquiry: directly call the service hotline of the issuing bank and transfer to manual customer service for help. Usually, you need to tell the correct identity information. After verifying the identity, the customer service will inform the current credit card number in the annual fee week. Some people are more conscientious, and they will tell cardholders how many times they need to brush before they can meet the conditions of annual fee exemption.

3. Bill inquiry: You can inquire about the current bills of credit cards in official website and mobile banking, and inquire about several bills and the consumption times of each bill. And then combine the annual fee-free condition of the credit card you hold to infer whether you have swiped enough times.