The second step is to appeal to the People's Bank of China to eliminate bad records. You need to explain that you are not maliciously overdue the annual fee, and you need to pay back the repayment record, credit card and ID card. When you know this information, apply to the local people's bank immediately, and you will usually receive a reply within 15 working days. If the information is complete, bad records will be eliminated.
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.
Free annual fee rule
Of course, it is not cost-effective to apply for a card without paying, and you have to pay an annual fee. However, different banks have different annual fee-free rules, which makes it easy for cardholders to inadvertently generate annual fees.
Cardholders generally believe that credit card agents are exempt from annual fees in the first year, but not all cards are exempt from annual fees in the second year when their credit cards reach a certain standard. For example, ICBC's credit card does not charge an annual fee in the first year, but it needs to be swiped five times or spend more than 5,000 yuan to avoid the annual fee for that year; According to the regulations of China CITIC Bank, the annual fee for the first year can only be waived if you swipe your card once in the first month after issuing the card.
In the annual fee-free rules of the following year, some banks stipulate that they can be free as long as they swipe their cards for more than three times, such as China Construction Bank [6.20 3.85%] and China Everbright Bank; Some banks require more credit cards. For example, an SDB credit card needs 18 times to be exempted from the annual fee for the following year. Most banks, such as ICBC, Agricultural Bank, Bank of China, Bank of Communications, China Merchants Bank, etc. Free of 5-6 annual fees.
Silver rate network financial planner pointed out that because the annual fee is not the main source of income for domestic credit card issuers, banks generally stipulate that the annual fee will be exempted only after a certain number of swipes, and there is no limit on the amount. However, banks that limit consumption quotas are not without them. As stipulated by Shanghai Pudong Development Bank, the annual fee for the following year can be exempted if the consumption reaches 2000 yuan or above.
In addition, it is particularly noteworthy that the annual fee-free rules of banks are not immutable. The staff of the Credit Card Center of Bank of Communications [8.79 4.27%] told the reporter that the annual credit card fee is based on the collection time of the first year's annual fee, and it is pushed back by 12 months, which is the collection time of the second year's annual fee. Generally, the annual fee-free rules of Bank of Communications credit cards will be notified to cardholders by SMS at the end of the year or the beginning of the following year, and cardholders need to pay attention to whether the annual fee-free rules have changed.
● Tips: Generally speaking, ordinary credit cards can enjoy the annual fee-free rule, while the annual fees of gold cards, platinum cards and diamond cards are usually unavoidable.
Lifetime annual fee-free credit card
The annual fee for credit cards is really fascinating. Is there no free lunch?
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.
There are also free lunches in Shanghai Bank's credit cards, such as Xingyun Card, Hong Kong Travel Card and Global Card, all of which are free of annual fees for life. However, the outlets of Shanghai Bank only cover the Shanghai area, and it is more difficult to handle them in other areas.
There are also many credit cards in other banks that are free of annual fees for life. Because there are too many types of credit cards, you need to look carefully if you want to handle them. For example, China Southern Airlines Pearl Credit Card Extraordinary Edition and QQ Car Card of Guangfa Bank, McDull Credit Card and 60th Anniversary Credit Card of Shanghai Pudong Development Bank, Jinsui Ruyi Credit Card of Agricultural Bank, and AIDA Credit Card of Bank of Beijing [18.82 5.67%] can all enjoy the provision of free annual fee for life.
In addition, the reporter noted that since June 65438+July 2003, various banks have issued a large number of official credit cards to enterprises and institutions, and all of them have the provision of life-long annual fee exemption. Business credit card is a credit card held by employees in budget units, which can be used for daily business expenses and financial reimbursement, personal consumption and cash withdrawal, and can enjoy various discounts on credit card consumption.
● Tips: Free annual fee for life is not the life of the cardholder, but the "life" of the card, that is, the validity period of the credit card, which is generally three to five years.