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.
How to refund the annual credit card fee?
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 refund the annual fee after deducting the credit card?
If the credit card has an annual fee waiver policy, you can call the customer service to apply for a refill, complete the refill within the specified time, and then contact the customer service, and the deducted annual fee will be returned to the credit card account. The annual fee for credit cards must be charged and cannot be reduced. At this time, the annual fee has been deducted, so it is impossible to apply for a refund. Users first need to know whether their credit cards can be exempted from annual fees, and they must be cards with preferential policies for annual fees before they can apply for annual fee refund.
Generally, the annual fee is deducted from the credit card first, and then the bank will deduct the annual fee bill for customers who meet the requirements of annual fee exemption without repayment; Customers who fail to meet the annual fee requirements need to repay this fee before the repayment date.
If the credit card meets the conditions of annual fee exemption and the bill is not offset after deducting the annual fee, the cardholder can contact the bank at the first time and ask for annual fee exemption. In order to avoid the overdue credit card, the cardholder can repay the loan first, and the subsequent bank will return the same amount of repayment-free quota.
Not all bank credit card annual fees can be refunded, for example, the rigid annual fee for platinum cards can't, and there are some special card annual fees, or the annual fee deducted from points. Most of the annual fees that can generally be refunded can be reduced or exempted through the number of swipes. In this case, after discovering that the annual fee has been deducted, do the following 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 the above three things, you may be surprised to find that the bank really refunded your annual credit card fee to your credit card account.
Credit card annual fee rules refer to some corresponding provisions of credit card annual fee. Before the cardholder activates the credit card, the bank shall not charge an annual fee. But most people know little about the annual fee rules of credit cards in different banks. The annual fee of credit card is mostly around 100 yuan, and some banks stipulate that the annual fee can be waived by swiping it three times a year. In fact, there is no life-long annual fee-free credit card. For example, the credit card issued by the Postal Savings Bank, whether it is the main card or the supplementary card, does not need to worry about the annual fee.
The introduction of how to refund the annual fee deducted from credit card and how to refund the annual fee deducted from credit card ends here. I wonder if you have found the information you need?