But there is a misunderstanding here, you have to understand, otherwise you don't know how to charge the annual fee.

Under normal circumstances, the person who handles the credit card publicizes that you don't need to pay the annual fee for one year from the date you open the card to the day before the next year's card opening date. If you don't open a card, you won't charge an annual fee.

But the actual calculation is not based on the date of card opening, but on the month when your credit card is valid. For example, your credit card is valid for 09/ 16. Explain that your credit card is valid until September 20 16, so the annual fee of this card is settled in September every year. This must be clarified.

In addition, whether to reduce the annual fee for the following year. It also depends on the type of card and the requirements of the issuing bank. At present, the bank is in a mess. Like attracting investment, it is swiped n times (I forgot, it seems to be six times), and there is no limit on the amount and merchants, and the annual fee is free. Pufa, on the other hand, must be at least 5 years old a year, and it must be divided into 5 months, and it must be a merchant with points. What a freak ~