The annual fee of CCB credit card is calculated from the date of card verification, not from the natural year, nor from the date of card opening.

If you can't remember the credit card verification date of CCB, you can look at the validity period of the credit card printed on the face of the credit card, and the month can help you calculate the annual payment anniversary of the credit card.

At present, the annual gold card fee of CCB's ordinary credit card is 160 yuan/year, and that of ordinary credit card is 80 yuan/year. As long as you spend money by credit card (including online consumption) or withdraw money three times a year, you can avoid the annual fee of that year. Their annual fee is calculated from the time you successfully apply for a credit card, one year 12 months.

Extended data:

China Construction Bank Credit Card

Annual fee-free policy: swipe your card for 3 times or 18 times (excluding special cards such as business cards and car cards) to avoid the annual fee for the following year.

Withdrawal fee: domestic: 5‰ of the transaction amount, with the lowest 2 yuan and the highest 50 yuan; Overseas: 3% of the transaction amount, with a minimum of $3.

Multi-account management: quota sharing, multiple CCB cards, one billing date and independent repayment.

Online payment: Alipay: it can be used after online registration, with a single payment and a one-day limit of 500 yuan.

Installment business: support interest-free installment for specific merchants (3, 6, 12). After a single consumption exceeds 1000 RMB, you can apply for installment by phone (3,6,0/2,0/8,24), and different handling fees will be generated for each installment according to the number of installments.

Billing date: There are multiple billing dates every month, and the cardholder can change it once a year within the validity period of the card.

Currency: RMB, RMB/USD, RMB/Euro.

interest

Interest-free repayment period: Interest-free repayment period refers to the interest-free period of consumer transactions enjoyed by cardholders who repay in full on time. The interest-free period is from the bank bookkeeping date to the repayment date, with a minimum of 20 days and a maximum of 50 days. Overdraft cash withdrawal transactions do not enjoy interest-free repayment period.

Tip:

If you don't repay in full before maturity, you won't enjoy the interest-free period. The Construction Bank will charge interest at a daily interest rate of 0.5 ‰ and compound interest monthly. The interest-bearing date is from the date of consumption to the date of repayment, and the interest-bearing principal is calculated according to the actual amount payable.

If the repayment is not made before the due repayment date or the repayment amount is lower than the minimum repayment amount, CCB will charge interest as required, and at the same time charge a late fee of 5% of the minimum repayment amount.

The calculation example shows that:

Suppose your bookkeeping date is 17 of a month, and the due repayment date (for example, the 30th of a month) is 17 of the next month (if the month is 3 1 day, it is 16 of the next month, and the year and month are calculated accordingly).

If you spend 65,438+00,000 yuan in April, 65,438+05, and this consumption is credited to your account on the same day, the bank bookkeeping date is April, 65,438+05, because your bookkeeping date is April, 65,438+07, and the due repayment date is May 7, the longest interest-free period for this consumption is 23 days.

If you spend 65,438+00,000 yuan in April, 65,438+08, the consumption amount will be credited to your account on the same day, and the bank bookkeeping date will be April, 65,438+08. Since the consumption amount should be recorded on May 65, 438+07, there are still 50 days before the due repayment date on June 6, and the longest interest-free period of this consumption is 50.

How to calculate the annual credit card fee?

Generally speaking, the annual credit card fee is calculated at 100 yuan/year, but this is only the annual credit card fee. The annual fee of special credit cards such as platinum will be much higher than that of ordinary credit cards, depending on the specific regulations of each bank.

1. The annual credit card fees of different banks will be different. The specific annual fee collection standard is subject to bank regulations. The annual credit card fees of some domestic banks are calculated on an annual basis. For example, Ping An Bank will settle the number of card swipes from the card opening date to the corresponding day of the following year.

2. The annual fee of different grades of credit cards will be different. Each bank usually differs according to the type of credit card issued. Average market price of ordinary cards 100 yuan/year. Because the credit limit of the gold card is higher than that of the ordinary card, the annual fee is also high, which is twice that of the ordinary card.

3. The higher the general credit card level, the higher the annual fee. Basically, it is a platinum card, a gold card and an ordinary card. Generally speaking, the bank's credit card fee-free threshold is not high. Usually, users who have just applied for a credit card will be exempted from the annual fee for the first year. As long as the user reaches a certain number of times or amount of credit card swiping within one year, he can continue to waive the annual fee for the next year.

1) The annual credit card fee refers to the fee that the cardholder should pay to the bank during the use of the credit card. Generally speaking, the annual credit card fee is charged annually after the cardholder activates the credit card. Credit card annual fee rules refer to some corresponding provisions of credit card annual fee. Before the cardholder is activated, the bank does not charge an annual fee. However, most people still know a little about the annual credit card fees of different banks.

2) The college student card is free of annual fee for life. Most ordinary cards and gold cards are exempt from the annual fee in the first year, and the annual fee in the following year can be exempted after the number of swipes reaches the bank regulations. Because customers who can handle platinum cards generally have strong financial resources, some banks consider that ordinary people do not lack this money, and the annual fee is inevitable. Annual fee collection time: For the credit card with no annual fee in the first year, it is assumed that the card will be opened in March and the annual fee will be collected in March of the following year.

3) The annual fee waiver conditions are different. Most people think that you can avoid the annual fee by swiping your card for more than 6 times, but some credit cards also require the amount of credit card swiping, and some high-end cards even avoid the annual fee. Supplementary cards also have an annual fee. Credit card supplementary card is a good financial product, which is convenient for users to use. The amount can be controlled by the cardholder, but the supplementary card may also have a corresponding annual fee, which is generally half of the main card.

When does the annual credit card fee start?

No matter what kind of credit card has an annual fee, the annual fee of each bank credit card is different. In general, the annual credit card fee is calculated according to the whole year. For example, if your credit card is processed in July, then your annual fee will be calculated from July every year.

However, in order to attract users to apply for credit cards, some banks generally stipulate that the annual fee is free in the first year, and users spend three or five times in the same year, and the annual fee is free in the next year. .

However, the year in the credit card annual fee-free policy is not actually calculated according to the natural year, but users only need to brush up the number of transactions within one year from the date of credit card issuance, so cardholders don't have to worry that the annual fee will be deducted before the end of last year. That is, one year from the date when the system issues the credit card.

Credit card annual fee rules refer to some corresponding provisions of credit card annual fee. Before the cardholder activates the credit card, the bank shall not charge an annual fee. But most people know little about the annual fee rules of credit cards in different banks. The annual fee of credit card is mostly around 100 yuan, and some banks stipulate that the annual fee can be waived by swiping it three times a year.

Free annual fee rule

Of course, it is not cost-effective to apply for a card without paying, and you have to pay an annual fee. However, different banks have different annual fee-free rules, which makes it easy for cardholders to inadvertently generate annual fees.

Cardholders generally think that credit card agents are exempt from annual fees in the first year, but not all cards are exempt from annual fees in the second year when their credit cards reach a certain standard. For example, ICBC's credit card does not charge an annual fee in the first year, but it needs to be swiped five times or spend more than 5,000 yuan to avoid the annual fee for that year; According to the regulations of China CITIC Bank, the annual fee for the first year can only be waived if you swipe your card once in the first month after issuing the card.

In the annual fee-free rules of the following year, some banks stipulate that they can be free as long as they swipe their cards for more than three times, such as China Construction Bank [6.203.85%] and China Everbright Bank; Some banks require more credit cards. For example, an SDB credit card needs 18 times to be exempted from the annual fee for the following year. Most banks, such as ICBC, Agricultural Bank, Bank of China, Bank of Communications, China Merchants Bank, etc. Free of 5-6 annual fees.

Silver rate network financial planner pointed out that because the annual fee is not the main source of income for domestic credit card issuers, banks generally stipulate that the annual fee will be exempted only after a certain number of swipes, and there is no limit on the amount. However, banks that limit consumption quotas are not without them. As stipulated by Shanghai Pudong Development Bank, the annual fee for the following year can be exempted if the consumption reaches 2000 yuan or above.

In addition, it is particularly noteworthy that the annual fee-free rules of banks are not immutable. The staff of the Credit Card Center of Bank of Communications [8.794.27%] told the reporter that the annual credit card fee is based on the collection time of the annual fee in the first year, and it is pushed back by 12 months, which is the collection time of the annual fee in the second year. Generally, the annual fee-free rules of Bank of Communications credit cards will be notified to cardholders by SMS at the end of the year or the beginning of the following year, and cardholders need to pay attention to whether the annual fee-free rules have changed.

● Tips: Generally speaking, ordinary credit cards can enjoy the annual fee-free rule, while the annual fees of gold cards, platinum cards and diamond cards are usually unavoidable.

Lifetime annual fee-free credit card

The annual fee for credit cards is really fascinating. Is there no free lunch?

In fact, there is no life-long annual fee-free credit card. For example, the credit card issued by the Postal Savings Bank, whether it is the main card or the supplementary card, does not need to worry about the annual fee.

There are also free lunches in Shanghai Bank's credit cards, such as Xingyun Card, Hong Kong Travel Card and Global Card, all of which are free of annual fees for life. However, the outlets of Shanghai Bank only cover the Shanghai area, and it is more difficult to handle them in other areas.

There are also many credit cards in other banks that are free of annual fees for life. Because there are too many types of credit cards, you need to look carefully if you want to handle them. For example, China Southern Airlines Pearl Credit Card Extraordinary Edition and QQ Car Card of Guangfa Bank, McDull Credit Card and 60th Anniversary Credit Card of Shanghai Pudong Development Bank, Jinsui Ruyi Credit Card of Agricultural Bank, and AIDA Credit Card of Bank of Beijing [18.825.67%] can all enjoy the provision of free annual fee for life.

In addition, the reporter noted that since June 65438+July 2003, various banks have issued a large number of official credit cards to enterprises and institutions, and all of them have the provision of life-long annual fee exemption. Business credit card is a credit card held by employees in budget units, which can be used for daily business expenses and financial reimbursement, personal consumption and cash withdrawal, and can enjoy various discounts on credit card consumption.

● Tips: Free annual fee for life is not the life of the cardholder, but the "life" of the card, that is, the validity period of the credit card, which is generally three to five years.

Annual credit card fee

People are often not very clear about the concept of annual credit card fee. I don't know why there are such charging items. Let me introduce it to you.

How much is the annual credit card fee?

The annual fee of credit card can actually be said to be the management fee of credit card. After the cardholder activates the credit card, the bank will deduct a certain fee from the limit on a fixed day.

Credit card annual fee standard

Almost all credit cards issued by banks have annual fees, ranging from 10 yuan to several thousand yuan, depending on the card level. The more advanced the credit card, the higher the annual fee. For example, the annual fee of many platinum cards ranges from 800 yuan to 5,800 yuan.

Credit card annual fee-free policy

In order to encourage consumers to use credit cards, banks will implement an annual fee-free policy according to the level of credit cards. For example, the credit card with the lowest general level can be spent 3 to 6 times a year, and the annual fee for the following year can be exempted.

However, it should be noted that some high-grade credit cards have strict annual fee-free policies. For example, if you have a platinum card, you must swipe it 20 times, and the amount exceeds 80,000 yuan to avoid the annual fee; Platinum cards have an annual fee even if they are consumed, so there is nowhere to hide this fee, so you must be cautious when handling platinum cards.

Credit card deduction time of major banks

1. Industrial and Commercial Bank of China: The number of card swipes will be settled from the card activation date, and will be counted as one year from the corresponding date in the following year. If you don't meet the conditions of annual fee exemption. The annual fee will be charged on this day. ICBC's annual fee deduction will generally be reminded by SMS one month in advance.

2. Bank of China: Like industry and commerce, the number of credit card swipes will be settled from the activation of the card, and will be settled for one year on the corresponding day of the following year. For example, the card will be activated in August 10, and the annual fee will be charged in August 10 next year, and so on.

3. China Construction Bank: It will be charged from the first billing date of the card-holding year.

4. Bank of Communications: The number of card swipes shall be settled from the card activation date, and one year shall be counted from the corresponding date of the following year.

5. China Merchants Bank: The date of issuance shall prevail. For example, the card issuing date is 1 65438+1 October1,and the annual fee is calculated from165438+1October 3/the following year.

6. Guangfa Bank: The number of card swipes shall be settled from the card activation date, and one year shall be counted from the corresponding date of the following year.

7. CITIC Bank: The number of card swipes shall be settled from the card activation date, and one year shall be counted from the corresponding date of the following year.

8. Ping An Bank: The number of card swipes shall be settled from the card activation date, and one year shall be counted from the corresponding date of the following year.

9. Minsheng Bank: The number of credit card swipes shall be settled from the card activation date, and one year shall be counted from the corresponding date of the following year.

10, China everbright bank: the number of card swipes shall be settled from the card activation date, and counted as one year from the corresponding date of the following year.

So much for the introduction of how to calculate the credit card in one year.