Bank of communications credit card must be swiped six times to avoid the annual fee for the following year. Do you owe an annual fee?

Another possibility is that you owe the SMS service fee (the bank will send a message every time you spend)

As for how the credibility is calculated, no one knows. Anyway, the bank means to swipe more cards and spend more.

I have used the Bank of Communications Card for almost two years. The Bank of Communications adjusts the amount every six months. (The shortest time, if you swipe more cards)