Depending on the specific charging standard of the card, there will be some expenses when it is not used, such as SMS service fee (if it is opened), business card printing fee, annual fee and so on.

Do I have to deduct money if I don't use a credit card? Repayment on time is very important!

Some netizens inquired that their credit card was not activated, and the annual fee was exempted during the validity period, but 60 yuan was deducted by the bank, saying that it was a business card printing fee. What's going on? In fact, many card friends have had the experience of useless deduction of money from credit cards, which is caused by various situations. Let's make a detailed analysis based on everyone's specific situation.

There are actually two reasons for deducting money when the credit card is not used:

Mainly depends on what money you deduct, one is to deduct the annual fee and the other is to deduct the business card printing fee.

1, annual fee deduction:

Except for those credit cards that indicate that the annual fee is free within the validity period, most of them are not used after being separated, and the annual fee is still deducted. Although Jinpu Card is not activated, there is no annual fee, but if it is not swiped enough times after activation, the bank will automatically deduct the annual fee from the credit card limit.

In addition, many high-end platinum cards, whether activated or not, will deduct the annual fee from the credit card limit from the date of card verification. However, some platinum cards can be exempted from annual fees by swiping their cards or points, but if they are not used, they naturally cannot meet the conditions of annual fees exemption.

2. Deduct the business card printing fee:

Some cards are made by special technology, so the business card printing fee, that is, the production fee, is also deducted directly from the credit card quota. This is also a big reason why many card friends are deducted from the bank even though they have applied for the annual fee exemption within the validity period.

It should be noted that it is not because credit cards are free of charge under any circumstances. You should pay attention to the present bill. After the general bank charges, it is included in the current consumption bill. You must repay the money according to the current bill. If there is no money to repay, you should also pay the minimum repayment amount. Don't be indifferent, otherwise only overdue credit cards will be waiting for you, which will affect your personal credit. This consequence will be more troublesome.

Will the credit card be deducted if it is not used?

Generally, there is no charge for not using credit cards, but it should be noted that using credit cards will generate annual fees. Most credit cards can deduct the annual fee according to the number of swipes. If the user does not use a credit card, the annual fee cannot be waived.

If the user forgets the annual credit card fee and fails to repay it in time after it is generated, it will be overdue. There will always be a penalty interest, and overdue records will be uploaded to the credit information center, which will have a bad impact on users' credit information. So credit cards don't have to pay attention to the annual fee.

Cardholders can choose to cancel their credit cards when they don't intend to use them, so there will be no problem. When canceling, the user must pay off all the arrears and ensure that there will be no annual fee. Only in this way can the user cancel the credit card smoothly, and the user can directly call the credit card customer service number.

After the cardholder submits the cancellation application, it takes 45 days to call the customer service hotline to confirm whether the cancellation is successful. If the cancellation is unsuccessful, the user can ask the reason and continue to cancel after improvement. If the cancellation is successful, the cardholder can cut the card with scissors, and don't throw it away before the cancellation is successful, so as not to be used by a willing heart.

Can I deduct money without a credit card?

After handling the credit card, if the cardholder is not activated, the general credit card will not be deducted if it is useless. But some credit cards will charge an annual fee even if they are not activated, such as higher-level platinum or diamond credit cards. Their value-added services are much more than ordinary credit cards, so even if the cardholder does not activate the credit card, the bank will charge an annual fee for such cards.

If the cardholder's credit card is activated, even if it is not used, the credit card will generate an annual fee, resulting in the deduction of the credit card. If the cardholder fails to pay the corresponding fee in time after the annual fee is generated, there will be a bad record of overdue payment.

Credit card type

According to the different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card.

Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly.

Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status.

According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards.

Credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation.

Quasi-credit card It is a credit card issued by a bank, which deposits first and then consumes. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.

According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

International card. International card is a kind of credit card that can be used outside the issuing country and is universal.

MasterCard, VISACard, AmericanExpressCard, JCBCard and DinersClubCard issued by five overseas groups (MasterCard, Visa International, American Express Card and DinersClubCard) are mostly international cards.

Area card. Regional card is a kind of credit card that can only be used in the country or region where the issuing bank is located. Most credit cards issued by commercial banks in China belong to regional cards.

You don't have to pay back your credit card or deduct money?

1, as long as the credit card is activated, it will generally be deducted if it is not used, and the annual fee will also be deducted. Credit cards generally require cardholders to spend a certain number of times a year to avoid annual fees, so if you get a credit card and activate it, there will be an annual fee. In addition, different types of credit cards charge different annual fees. For example, China Agricultural Bank has an annual fee of 80 for Puka, and China Industrial and Commercial Bank has an annual fee of 50 for Puka.

2. There is another situation, that is, according to your repayment time, you will generate some interest after repayment, because the interest is settled on the day of the billing date. For example, the 5th day of your billing date 1.5-2.5 is a billing cycle. Your billing date is February 5th, and the 2.5 bill generates interest 10 yuan. That is to say, on February 5th, all the interest in your card is 65438.

Extended data:

Credit card, also known as credit card. It is a non-cash transaction payment method and a simple credit service.

A credit card is a credit certificate issued by a commercial bank or a credit card company to eligible consumers. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.