How to check whether a credit card has an annual fee

To check the annual fee of a credit card, you can log in to the official website of the bank credit card. Taking the ICBC credit card as an example, the query method is as follows:

1 . Log in to the ICBC official website and click My Online Banking.

2. On the My Online Banking page, click My Credit Card.

3. On the My Credit Card page, click on the details behind the credit card you want to query.

4. On the credit card details query page, click to query one year's records.

5. Find the annual fee reduction transaction record and click on the details behind to view the annual fee details.

How to inquire about the annual fee exemption on a credit card?

To inquire about the annual fee exemption on a credit card, you can directly call the customer service hotline of the bank to which the credit card belongs.

ICBC Credit Card Center Tel: 95588;

Industrial Bank Credit Card Center Tel: 95561;

Guangfa Bank Credit Card Center Tel: 95508;

< p>Ping An Bank Credit Card Center Tel: 95511-2;

Construction Bank Credit Card Center Tel: 400-820-0588;

Bank of China Credit Card Center Tel: 400-66-95566;

The telephone number of Agricultural Bank of China Credit Card Center: 400-66-95599;

The telephone number of China Merchants Bank Credit Card Center: 400-800-9888;

The telephone number of Bank of Communications Credit Card Center : 400-820-5555;

CITIC Bank Credit Card Center Tel: 400-88-95558;

China Everbright Bank Credit Card Center Tel: 4007-888-888;

< p>Minsheng Bank Credit Card Center Tel: 400-66-95568;

Hua Xia Bank Credit Card Center Tel: 400-820-8788;

Shanghai Pudong Development Bank Credit Card Center Tel: 400-66- 95577

Notes on using credit cards:

1. Repay on time:

After using a credit card, be sure to remember to repay on time. Once it is overdue, it will not only result in a bad credit record, but the bank will also charge overdue penalty interest.

2. Don’t swipe your credit card too frequently:

Some people use credit cards frequently and the intervals between card swiping are short. Such behavior can easily be risk controlled by banks.

3. Consumption diversification:

When cardholders use credit cards to make purchases, they should diversify their purchases and not be limited to one place. They can swipe their cards in hotels, restaurants, shopping malls, etc. . If you keep spending in one place, the bank will think that the cardholder does not have the spending power and will lower the credit limit of the credit card.

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).

On May 25, 2021, the Supreme People’s Court issued and implemented the “Regulations of the Supreme People’s Court on Several Issues Concerning the Trial of Bank Card Civil Cases.”

What is the operating path for checking the conditions for credit card annual fee reduction on the "Bank of China Credit Card" WeChat official account?

The operation path to check the credit card annual fee reduction status through the "Bank of China Credit Card" WeChat official account is:

Click "Account Services" → "Customer Service_Consumer Protection" in the lower left corner of the menu bar _More" → "Micro-official website | More services" to enter the more function page, click on the card information to view the credit card annual fee reduction status.

The above content is for your reference, please refer to actual business regulations.

How to check whether the Bank of China credit card has been exempted from the annual fee?

In the year of use of the Bank of China credit card, if the cumulative card consumption of the local and foreign currency accounts in the year meets the following conditions, the annual fee for the current year can be reduced or exempted. Special cards Exceptions: 1. The annual fee for the first year is waived for personal Gold Card, and 5 transactions are waived for the following year (8 transactions for Titanium Ladies Card); the annual fee reduction policy for supplementary cards is the same as for the main card; 2. The annual fee for Platinum Card customers is the following year You need to make 12 transactions of 20,000 yuan or more to get a reduction, or use 100,000 transaction points to redeem the annual fee; the annual fee reduction policy for supplementary cards is the same as for the main card. You can inquire about the specific annual fee collection through online banking, mobile banking, WeChat, Colorful Life, customer service hotline and other channels. If adjustments occur due to policy reasons, please refer to the announcement by Bank of China.

The above content is for your reference, please refer to actual business regulations.

How to check whether there is an annual fee on a credit card

The ways to check the annual fee on a credit card are:

1. Check at the counter: You can bring your ID card and credit card to the card issuance Go to the counter of the bank’s business outlet to apply and check the annual credit card fee.

2. Online banking inquiry: You can log in to your personal online banking account and view the annual credit fee in your personal account information.

Credit card annual fee rules refer to some corresponding regulations for the annual payment of credit cards. Banks are not allowed to charge annual fees before the credit card is activated by the cardholder. However, in the face of the various annual fee rules for credit cards from different banks, most Most people have little idea about it. Most annual credit card fees are around one hundred yuan. Some banks stipulate that you can waive the annual fee by swiping three times a year.

1. The annual fee policy of most banks has not changed. Generally, the annual fee for a standard credit card is about 100 yuan, while the annual fee for a gold card is generally 200 yuan or 300 yuan. The annual fee for a single-currency card is lower than that for a dual-currency card. The annual fee for supplementary cards is generally half the annual fee for the main card. However, the annual fee standards for each bank's credit card will vary depending on the card. For example, the annual fee for the Shanghai Pudong Development Bank standard credit card is 180 yuan for the main card and 90 yuan for the additional card; the annual fee for the gold card is 360 yuan for the main card and 180 yuan for the additional card; and the annual fee for the Shanghai Pudong Development Bank co-branded card is 360 yuan; as for the Pudong McDull series The credit card also displays the sign of “no annual fee for life”. Therefore, even if credit cards are issued by the same credit card center, the annual fee standards will be very different. Cardholders should first ask how high this "potential cost" is when applying for a card.

2. How to waive the annual fee for a credit card?

There are usually two ways to waive the annual fee. The first is that the number of card swipes reaches the bank's annual fee exemption, which is suitable for ordinary credit cards, such as ordinary cards and gold card level credit cards. The bank will automatically waive the annual fee if the card swipes reach the standard. The second is to redeem points for free, which is suitable for high-end credit cards, such as platinum cards. The cardholder needs to call the bank to apply, otherwise there will be no reduction.

3. What should I do if my credit card is charged an annual fee?

First pay off the balance, then call the bank and ask customer service if the annual fee can be refunded. Usually like ordinary cards, after the annual fee is deducted, you can meet the standard by making additional payments. For example, if you swipe the China Merchants Bank credit card 6 times to get the annual fee reduced, and then swipe the card 6 times after the annual fee is deducted, then call the customer service and ask the customer service to refund the annual fee. It will usually be refunded on the next bill date. This requires everyone to pay attention to the next bill. , if there is an arrears, the refunded annual fee will be offset against the arrears first.

Operating environment: Apple 12iOS14

That’s it for the introduction of how to check whether a credit card is free of annual fees.