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.
Will there be a charge for not using the credit card?
There may be charges when you don't use a credit card. First, the card is a high-end credit card, and even if it is not used, it needs to deduct the annual fee; The second is that the card has been activated. If the bank stipulates that the activated credit card needs to pay an annual fee, the unused credit card will normally be charged an annual fee.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
main feature
1. Cash deposit in advance is not allowed. You can enjoy an interest-free repayment period and can repay in installments (minimum repayment amount). Join VISA, MasterCard, JCB and other international credit card organizations, which are universal.
2. It is one of the fastest developing financial services, and it can replace the traditional cash circulation in a certain range.
3. It has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers.
It is a high-tech product integrating financial business and computer technology.
5. It can reduce the use of cash currency.
6, can provide settlement services, convenient shopping and consumption, enhance the sense of security.
7. It can simplify the collection procedure and save social labor.
8. It can promote commodity sales and social demand.
Reference to the above content: Baidu Encyclopedia-Credit Card
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 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.
Will there be a charge for not using the credit card? You will know after reading it.
Although it is easier to apply for a credit card, everyone should do it according to their own needs, otherwise the unused cards will be put aside, and even if they are useless, there may be expenses. Next, let's look at the cost if we don't use credit cards. Let's have a look.
Will there be a charge for not using the credit card?
Not necessarily. Mainly depends on the types of credit cards. Credit cards are divided into ordinary credit cards, annual fee cards and special cards for analysis.
1. Ordinary credit card: generally speaking, it refers to ordinary cards and gold cards, and most of them are non-annual cards, so don't worry about the deduction of fees if they are not activated.
2. Annual fee card: usually refers to a high-end card with platinum card or above, which can generally provide value-added services, such as golf, airport VIP treatment, medical care, high insurance, etc. These rights and interests are based on the annual fee, and most of them will be deducted from the date of verification card and included in the current bill, so there will be fees if they are not used.
3. Special card types: refers to some credit cards made by special technology. Although it may not be an annual fee card, it is necessary to pay the work fee, which is also deducted from the credit card limit and included in the current bill; In addition, some non-high-end cards also charge annual fees.
So, what about the expenses?
After the unused credit card generates expenses, the bank will send a text message to inform you after the bill comes out. Generally, you only need to repay in full on the repayment date specified in the SMS.
If you don't repay within the specified time, or if you don't repay in full, you may be overdue. Everyone should know the consequences of overdue credit cards, so I won't go into details here.
Do I have to deduct money if I don't use a credit card?
If you don't use a card, there may be fees, such as the annual fee of a credit card. The situation is as follows: 1. Some credit cards will also charge an annual fee if they are not activated; 2. If the credit card is not cancelled or cancelled, and the number of swipes is not enough, the bank will charge an annual fee; There is no annual fee-free discount for the credit card itself, and it has to be returned every year.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. 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.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.
Will the credit card be deducted if it is not used? This concludes our introduction. I wonder if you found the information you need from it?