When will the annual credit card fee be deducted? Is there a fixed deduction time?

Whether it is a debit card or a credit card, there is an annual fee, so for the majority of card friends , the most concerning thing is definitely when will the annual credit card fee be deducted? Is there a fixed deduction time?

As for when the annual credit card fee will be deducted, each bank has different time and standards for deducting the annual credit card fee. The specific deduction time and standard are based on the agreement you signed with the bank when you applied for the credit card. . Basically, after the annual fee of the bank credit card is deducted, it will be included in the personal statement. Just repay it in time according to the time.

Here are some major bank credit card annual fee deduction times:

1. The corresponding number of card swipes starts from the date of credit card activation, and the annual fee is calculated on the corresponding date in the following year< /p>

Banks eligible for the above annual fee deduction include: Industrial and Commercial Bank of China (generally will send SMS reminders one month in advance), Bank of China, Bank of Communications, China Guangfa Bank, CITIC Bank, Ping An Bank, Minsheng Bank, China Everbright Bank, etc. For example, for a card activated on July 8, 2017, the annual fee will be charged on July 8, 2018, and the cycle repeats.

2. The annual fee will be calculated from the first statement date of the card year

The banks eligible for the above annual fee deduction include: China Construction Bank. For example, if a card was activated on July 8, 2017, and the first bill was generated on August 5, 2017, the annual fee will be charged on August 5, 2018.

3. Calculation and collection of annual fees starting from the card issuance date

In fact, in today's increasingly fierce competition in the credit card market, there are different opinions on when the annual credit card fee will be deducted. A standard for competition among major banks is that many banks offer credit cards with no annual fee. There are many credit cards with no annual fee for you to choose from in the credit card section. Click

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The annual fee charging standards for Minsheng car owners' credit cards are How much

Generally speaking, in order to attract new customers and retain old customers, major banks have corresponding annual fee-free policies for credit card annual fees. However, car owners’ credit cards enjoy special preferential rights, and some banks do not have annual fee exemption policies. Do you know how to charge the annual fee for Minsheng car owners’ credit cards? Is there any annual fee-free policy?

1. Minsheng Car Owners Credit Card Annual Fee Collection Standard

Minsheng Car Owners Credit Card is a credit card tailor-made for car owners. It is divided into gold card and standard platinum card. and luxury platinum card, suitable for private car owners with different needs. The annual fee charging standards are as follows:

Gold Card: The annual fee for the main card is 300 yuan per year, and the annual fee for the supplementary card is 150 yuan per year;

Standard Platinum Card: The annual fee for the main card is 600 yuan per year. , the annual fee for the supplementary card is 300 yuan per year;

Luxury Platinum Card: the annual fee for the main card is 3,600 yuan per year, and the annual fee for the supplementary card is 1,800 yuan per year.

2. Minsheng Car Owner Credit Card Annual Fee Waiver Policy

The annual fee is waived for the first year, and the annual fee is waived for the following year by swiping the card 8 times a year. However, the annual fee is not waived for swiping the luxury platinum card.

3. The annual fee deduction time for Minsheng car owners’ credit cards

Twelve months from the month of activation is one year. That is to say, if you apply for a card in July, it will be deducted by the end of June next year. If you use it eight times a year during this period, the annual fee will be waived.

To sum up, this is the introduction about the annual fee of Minsheng car owners’ credit card. I hope it will be useful to you.

The annual fee will be deducted immediately after the Minsheng Platinum Card is opened

The annual fee will be deducted immediately after the Minsheng Platinum Card is opened. The annual fee will be charged immediately after the Minsheng Bank credit card is activated, and it does not distinguish between the one-card dual-limit function and the one-card-one-car function. As long as the card is activated, no fees will be charged. Cardholders' consumption through cash advance channels will also be charged the lowest handling fee based on the transaction amount and the fees charged by the channels provided at the time of application.

When is the annual fee for credit cards charged? What is the annual fee collection schedule for major banks?

Every credit card issued by the bank has an annual fee charging standard, except for some special cards that are free of annual fees for life. outside. Although general ordinary cards and gold cards have annual fee-free discounts, it is also necessary to find out when the credit card annual fee will be charged. If the credit card incurs an annual fee and the cardholder does not know it, it will cause the credit card to be overdue. It's irreversible. Let’s take a look at the timing of annual fee collection by major banks.

Industrial and Commercial Bank of China, Bank of Communications, China Guangfa Bank, Ping An Bank, China Minsheng Bank, China Everbright Bank, Bank of China

In the past few days, banks deduct annual fees on the card opening day each year. , assuming that if the ICBC credit card is opened on January 1, then the annual fee will be collected on January 1 of each year. If you do not meet the conditions for annual fee exemption, the annual fee will be charged on this day.

China Construction Bank

The annual fee for CCB’s credit card is charged on the first billing date of the card issuance. Assuming that the credit card was issued in February 2009, the billing date is the 22nd of each month. If the card is not If the bank's annual fee reduction and exemption requirements are met, the annual fee for the following year cannot be reduced, and the annual fees from February 2010 to February 2011 will be recorded and collected on February 22, 2010.

China Merchants Bank

Based on the card issuance date. For example, if the card issuance date is November 1st, then one year will be from November 1st to October 31st of the following year, and the annual fee will begin to be charged.

CITIC Bank

The annual fee collection time for CITIC Credit Card is different, and the card opening date will be postponed for 60 days as the annual fee collection time.

Summary: As can be seen from the above, when the annual credit card fee is charged is related to the time when the card is approved or opened, not the natural year. Therefore, dear card friends, if your credit card does not meet the annual fee exemption standard, or the annual fee cannot be reduced, then you must remember the corresponding annual fee collection time of the card.

When is the annual credit card fee charged?

Most banks stipulate that it be charged on the day the card is activated in the following year. Most cards issued by domestic banks waive annual fees in the first year. However, this is not the case for all cards, and even cards issued by the same bank have different specific exemption provisions. Banks that stipulate that annual fees can be waived by swiping the card 5-6 times include: Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, Bank of Communications, China Merchants Bank, China CITIC Bank, Industrial Bank, Hua Xia Bank, Guangdong Development Bank, and Shenzhen Development Bank. There are also a few banks, such as China Everbright Bank and China Construction Bank, which waive annual fees if you make three purchases. Another option is to waive the annual fee for that year by swiping the card for a certain amount. For example, ICBC stipulates that if the cumulative amount of card transactions reaches 5,000 yuan in a year, the annual fee for that year can also be waived.

1. Industrial and Commercial Bank of China:

If the ICBC credit card is opened on January 1st, the annual fee will be collected on January 1st of each year. If you do not meet the conditions for annual fee exemption. The annual fee will be charged on this day.

2. China CITIC Bank:

The annual fee collection time for CITIC credit cards is different, and the card opening date will be delayed by 60 days as the annual fee collection time.

3. Bank of China:

Same as ICBC, the number of card swipes will be settled from the moment the card is activated, and will be settled for one year until the corresponding date in the next year. For example, if a card is activated on August 10th, the annual fee will be charged on August 10th next year, and the cycle continues.

4. China Construction Bank:

If the CCB credit card issuance time is February 2015, then the statement date is the 22nd of each month. If the card does not meet the bank's annual fee reduction limit According to the regulations, the annual fees from February 2010 to February 2011 will be recorded and collected on February 22, 2010.

5. Bank of Communications:

The number of card swipes will be calculated starting from the card activation date, and one year will be counted from the corresponding date in the following year.

6. China Merchants Bank:

Subject to the card issuance date. For example, if the card issuance date is July 25, then one year will be from July 25 to June 30 of the following year, and the annual fee will begin to be calculated.

7. China Guangfa Bank, Ping An Bank, China Minsheng Bank, China Everbright Bank:

The number of card swipes will be calculated from the card activation date, and one year will be calculated from the corresponding date in the following year.

Introduction to the annual fee cycle and deduction time of major bank credit cards

The annual fee cycle of bank credit cards is mostly calculated based on the card opening time or card approval time, and is not fixed. Therefore, Cardholders need to keep this critical point in mind. Let me introduce to you the annual fee cycles and deduction times of major banks’ credit cards. If you don’t want your credit report to be affected by overdue annual fees, you must read it.

Industrial and Commercial Bank of China, Bank of China, Bank of Communications, China Guangfa Bank, Ping An Bank, Minsheng Bank, China Everbright Bank:

The number of card swipes will be calculated starting from the card opening date and will be calculated on the card opening date in the following year. Annual fee is charged daily.

For example, the opening date of the ICBC credit card in 2018 is January 1, 2018, then the annual fee cycle is from January 1, 2018 to December 31, 2018, and the annual fee for that year will be on January 1, 2019. Daily deduction.

The annual fee cycle of CITIC Credit Card is based on the card opening date, and the annual fee deduction time is delayed by 60 days from the card opening date.

China Construction Bank:

The annual fee cycle of China Construction Bank's credit card is based on the time of card issuance. If the card does not meet the bank's annual fee reduction requirements, the first bill in the year of card use will be It will be credited to the account on the same day and repaid on the repayment day. If the credit card bill date is the 22nd of each month, the annual fee from February 2017 to February 2018 will be deducted and credited on February 22, 2017, and repaid on the due date.

China Merchants Bank:

The annual fee cycle is calculated based on the card issuance date. For example, the card issuance date is November 1st, then the period from November 1st to October 31st of the following year is An annual fee cycle begins, and annual fees begin to be charged.

That’s it for the introduction of when the annual fee of Minsheng Credit Card will be deducted.