If you want to refund the annual fee deducted by the credit card, under normal circumstances, you can apply to the customer service through the credit card customer service hotline, make up the number of swipes, and then refund the annual fee. The bank agreed that you should pay off the annual fee first, and then use your credit card to make up the number of swipes. However, it should be noted that not all annual fees can be refunded, and most of them are in line with the annual fee reduction by credit card.

If you don't swipe your credit card enough times and charge an annual fee, as long as you do three things well, maybe the bank can pay you back. What I want to say here is that not all annual fees can be refunded, such as the rigid annual fee for platinum cards, and some special annual fees for cards, or the annual fee deducted from points. Most of the annual fees that can generally be refunded can be reduced or exempted according to the number of swipes. In line with this situation, do these three things immediately after discovering that the annual fee has been deducted.

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: the cardholder's credit card 1 1 was not swiped in 10, but was detained in 80 yuan. Only then did he realize that the annual fee exemption was not enough this year, but he didn't want to spend the money, so he called the issuing bank and said that he had forgotten that he didn't swipe his card enough times and wanted to know if he 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.

If you have any questions about the annual fee of CMB credit card (deduct the annual fee after spending 6 times, refund the annual fee, etc.). ), you need to contact the credit card center to verify: WeChat customer service: WeChat official account search and pay attention to "China Merchants Bank Credit Card" and then enter "manual customer service". Telephone manual customer service: after dialing the customer service hotline of the credit card center, enter the ID number/card number+inquiry password, and select 9 to enter the manual service.