1. Credit cards, like bank cards, can be used freely or not, and banks have no compulsory authority. Many people have this understanding because of the annual fee of credit cards.

2. The annual fee of credit card is much higher than that of debit card, ranging from tens to thousands. Among them, most banks' credit cards, general cards and gold cards can be exempted if they spend enough times a year.

The annual fee is calculated by year, not by month. As far as CCB credit cards are concerned, Puka and Gold cards are generally required to be spent at least three times a year, so the annual fee for the next year can be exempted. There is no limit to three purchases, and no matter how many channels, going to the supermarket to buy a pack of cigarettes or paying the phone bill at Taobao counts as one. For platinum cards, except for some special instructions, it is generally impossible to spend at least three times a year without an annual fee.

Extended data:

Credit card, also known as credit card. It is a non-cash transaction payment method and a simple credit service. It is a credit certificate issued by a commercial bank or credit card company to eligible consumers. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

References:

Credit card-Baidu encyclopedia