1. It will not be deducted all the time, and it will be paid in one lump sum. However, the card replacement fee of a bank card contains two meanings, namely, card opening fee and card replacement fee. The cost of bank cards is 5 yuan/piece, and the cost of bank cards needs to be charged for opening or changing cards. The fee for opening a card, also known as the fee for opening an account, generally refers to the fee charged when a bank opens a savings card (debit card). 5 yuan will be collected in one lump sum and withheld together with the annual fee.

2. The card replacement fee for a bank card contains two meanings, namely, card opening fee and card replacement fee. The cost of the bank card is 5 yuan/card (i.e., card opening fee), and your 5 yuan card fee was not charged at that time, but was collected later. Because many concepts of the bank are simplified, the card replacement fee is put together (the card replacement fee is also 5 yuan/Zhang, and your card replacement fee is not charged). The annual fee of the bank is 1 yuan/year, and the deducted 9.75 yuan is the annual fee. Why not 1 yuan? Because the card may not have a 1 yuan at the time of collecting the annual fee, it was deducted .25 yuan at that time. When you deposit cash, the system will deduct the last annual fee of 9.75 yuan

to apply for a damaged card

1. If the card is damaged, you should bring a valid ID card and a damaged card to any branch of China Merchants Bank to apply for a card replacement. When the new card is made, a text message will be sent to inform you to get the card. The specific time to use will be subject to the confirmation of the handling bank.

Tips: You can apply for card replacement on your behalf, just provide two valid identity documents, but you can only get the card yourself, but you can't do it on your behalf (the guardian who gets the card at the outlet can be a minor). IC card fee: no charge.

2. Handling fee for card replacement in case of damage: specifically, the fee charged by each branch shall prevail, and you can call customer service for verification.

Tips: All smart cards under the name of customers with sunflower or above are free of charge for card replacement due to damage.

if the credit card is damaged, the signature is blurred and the magnetic stripe is demagnetized, you can make up the damaged card through the channel of mobile banking version 6.7..

Tips:

1. CVV2 will change after the card is damaged.

2. The damaged new card has the same number and card type as the old card (except UnionPay IC card will be replaced by UnionPay magnetic stripe card).

3. There is no need to reset the inquiry password and transaction password after the card is destroyed.

4. the old card can continue to be used after applying for loss compensation. Once the new card is opened, the old card will be invalid immediately. It is suggested that you cut and destroy the old card to avoid confusion.