Cardholders can take the initiative to contact the issuing bank, call the issuing bank's customer service hotline, explain the situation to the customer service, and ask the bank to give a certain exemption period to make up for the number of swipes and refund the annual fee. At first, we can take a gentle approach. If the bank refuses and the annual fee is not refunded, we can threaten to cancel the card. In most cases, the annual fee charged can be refunded.

Even if the bank agrees, card friends should remember to pay off the annual fee first, because the account has been paid back, and it will be overdue if it is not paid back, which will affect personal credit information.

There are two main channels for users to exchange credit card points of China Everbright Bank for annual fees:

1. Direct dial the 24-hour global VIP service line of China Everbright Bank, and directly apply for deducting the annual fee with points after switching to manual customer service.

2. Generally, the credit card of China Everbright Bank will send a text message to the cardholder on the 20th of the month when the annual fee is generated. If the cardholder's points reach the deduction value, the cardholder can directly reply to the SMS to complete the deduction of the annual fee.