As we all know, the annual fee is a compulsory charge for credit cards. Although many ordinary cards and gold cards can reduce the annual fee by swiping the card, if the card fails to meet the standard, the annual fee will still be deducted by the bank. So, what should I do in this situation? Bian Xiang Xiao tells you that if you don't swipe your card enough times, you will have to charge an annual fee for your credit card. You only need to do three things well, and maybe the bank can pay you back!

How to pay the annual fee deducted from the credit card?

What I want to say here is that not all annual fees can be refunded, such as the rigid annual fee for platinum cards. There are also some annual fees for special cards, or annual fees deducted from points. Most of the annual fees that can generally be refunded can be reduced or exempted through the number of swipes. In line with this situation, after discovering that the annual fee has been deducted, do these three things immediately:

1. Call the credit card customer service hotline of the issuing bank, explain the reasons to the customer service, and ask for a refund of the annual fee after completing the number of swipes. If the bank does not agree, it can threaten to return the card without refunding the annual fee.

If the bank agrees, you have to pay off the annual fee first. After all, the deducted annual fee should be paid back, otherwise it will be overdue;

3. Use a credit card to make up for the number of swipes.

After doing these three things, you will be surprised to find that the bank really refunded your annual fee to your credit card account. This method is not a short story. Some card friends have experienced it personally, which is really feasible.

Let me give you an example:

Kayou Credit Card111October didn't swipe the card, but it was detained in 80 yuan. Only then did I find that it was not enough to waive the annual fee this year, but I was reluctant to spend the money, so I called the issuing bank and said that I had forgotten to swipe my credit card enough times. I wanted to know if I could waive the annual fee.

The bank customer service readily agreed, but he needs to pay back the deducted annual fee first, and then make up the number of swipes, which is next month.

How to reduce the annual credit card fee?

China bank credit card annual fee waiver conditions:

1, Jinpuka: Free of the annual fee for the first year, and free of the annual fee for the following year for five purchases in the same year.

2. Platinum card: the annual fee for the first year is exempted, and the annual fee for the next year can be exempted if the accumulated consumption during the annual fee period reaches 12; Or exchange 6,543,800+comprehensive points for the annual fee of the following year.

3. For high-end cards or special cards, please call the customer service hotline of China Bank at 4006695566.

4. If you don't meet the annual fee waiver policy and are charged an annual fee, you can call China Bank's credit card customer service hotline at 4006695566 to inquire about the annual fee refund and points exchange policy.

Tips: The annual fee of Platinum Card collected before 2020 (inclusive) does not support the redemption of comprehensive points. The annual platinum card fees charged in 20021and 2022 shall be implemented according to the annual points exchange policy in 2022.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.

How to refund the annual credit card fee?

Generally, the annual fee of credit card that can be refunded is mostly the annual fee that can be reduced or exempted for the number of swipes. Users who meet this situation, after discovering that the annual fee has been deducted, can call the credit card customer service hotline of the issuing bank to explain the reasons and needs to the customer service, and ask for a refund of the annual fee after completing the number of swipes. There are some special card annual fees or annual fees deducted from points that cannot be refunded, such as the rigid annual fee for platinum cards.

Under normal circumstances, the annual fee deducted by credit card can be returned by contacting customer service. Apply to customer service through the credit card customer service hotline for the number of times to make up the brush, and refund the annual fee. If the bank agrees, the annual fee must be paid off first. After all, the annual fee that has been charged must be paid back, otherwise it will be overdue; Then use a credit card to make up for the number of swipes.

It should be noted that not all annual fees can be refunded, such as the rigid annual fee for platinum cards, the annual fee for some special cards, or the annual fee deducted from points. Generally, most of the annual fees that can be refunded can be reduced or exempted through the number of swipes, which is in line with this situation.

Most bank credit cards have an annual fee, and only a few credit cards offer a lifetime free annual fee discount. According to different banks, different card types and grades, the annual fee of credit cards is different. For example, the annual fee of China Industrial and Commercial Bank is 50 yuan, and the annual fee of gold card is 100 yuan.

Many cardholders have a misunderstanding about the time when the annual fee is charged. They think that the annual fee charged by credit card is the same as that charged by debit card at a fixed time. That was not the case. The annual fee for most credit cards is one year from the date of card verification to the second day of the following year.

For example, the validity period of the front of the card is 06/ 15, which means that the card is valid until June 20 15, so the annual fee is usually collected on a certain day in June every year. However, some banks, such as China Construction Bank and China Guangfa Bank, have a one-year period from the day the cardholder opens the card to the next day. In the former case, the cardholder does not open the card within the first year after applying for a credit card, and only opens the card in the second year, and the annual fee is charged directly. Therefore, cardholders must pay attention to it, and it is best to call the credit card customer service center of the issuing bank to ensure that there will be no mistakes.

This concludes the introduction on how to eliminate the annual fee of credit card and whether the overdue caused by the annual fee of credit card can be eliminated. I wonder if you have found the information you need?