2. If you swipe your card six times, you can get rid of the annual fee for the next year. The annual fee for the first year will be paid in advance by the bank credit card or the partner, and the annual fee for the next year will be exempted if you spend six times on a single card within a whole year (from the date of issuing the card). And this offer is valid for a long time before the change notice of the new annual fee preferential policy.
Third, the annual fee of credit card is the management fee of credit card. Different credit cards have different annual fees. For example, many credit cards stipulate that the annual fee is free in the first year of opening the card, and the annual fee can be exempted in the following year after spending a certain number of times, so it is necessary to use the card for a certain number of times to avoid the annual fee. As for how many times the annual fee is exempted, it depends on the bank. For example, CCB's gold card and ordinary card only need to be swiped three times a year, and Bank of Communications needs to be swiped six times a year. There are also some cards that cannot be exempted from annual fees.
Extended data
If you don't intend to continue using your credit card, you must cancel your account. If the account is not closed, the bank will charge an annual fee for the credit card.
If the card is not overdrawn, you can apply for account cancellation at any time.
If the card has not expired, you need to apply first, and then go to the bank to cancel the account after a certain period of time; If the card has expired and the account balance is zero, you can directly cancel the account at the designated bank outlet. When closing the account, you should bring your valid ID card and the original card. If it's not convenient for me to close the account, someone else can help you. The agent must hold the power of attorney written by the principal (himself) and bring the original valid identity certificate to handle the account cancellation business.
If your card has not expired when you cancel your credit card account, some banks stipulate that you need to go to the designated outlets to receive the card, and then go through the formal account cancellation procedures after a certain period of time (up to 30 days). This is mainly because if the cardholder has done a manual card pressing transaction before closing the account, the cardholder will have closed the account before the merchant submits the card pressing form to the bank for entry, and the bank will not be able to liquidate normally; On the other hand, if the cardholder is in consumption abroad or withdraws cash, it may take several days to settle the account. If the account is closed immediately, it will also affect the normal liquidation of the bank.
Refer to Baidu Encyclopedia Credit Card