However, if the user does not reach the number of annual fee reductions, he can call the customer service hotline to apply for a supplementary brush, and then contact the manual customer service after the supplementary brush is completed, so that the user does not need to pay the annual fee again.
What should I do if my credit card is not swiped enough and I am charged an annual fee?
As we all know, most banks' ordinary cards and gold cards can be exempted from annual fees as long as they are swiped enough times in one year. However, if the cardholder is charged an annual fee because the number of swipes is not enough, he can call the issuing bank to ask if there is a service that can refund the annual fee within one month. If so, customers should pay attention to the number of swipes in the next month.
If the issuing bank does not have this service, then the customer will have to wait for the bill to come out and repay it on time within the prescribed repayment period. If you don't repay, it will cause overdue and affect your personal credit.
It should be noted that the number of swipe cards required by Puka and Gold Card to reduce the annual fee is generally very small. For example, according to the regulations of China Construction Bank, as long as Puka and Jinka make three transactions (consumption/cash withdrawal) each year, the annual fee can be exempted, so in fact, customers can reduce the annual fee if they spend little. Customers are advised to brush in advance to avoid being unable to return the annual fee after being deducted.