Legal. Whether or not an annual fee is charged will be determined by the bank's announced charging standards, which will generally not be notified separately. When applying for a card, you need to read the relevant agreement and agree before filling out the application form

Before applying for a credit card Understand the functions of the credit card. The annual fee deduction is part of the credit card. If you bind your mobile phone number, you may receive a notification. If you do not receive a notification before the annual fee is deducted, there is no so-called legal issue.

The annual credit card fee refers to the fee paid to the bank during the use of the credit card. Generally, the annual credit card fee starts after the cardholder activates the credit card and is charged annually. Each bank has different annual fee policies and charges different amounts.

The annual fees of each bank are slightly different, and the annual fees paid by different card types and card levels of the same bank are also different.

The annual fee policy of most banks has not changed. Generally, the annual fee for a standard credit card is about 100 yuan, while the annual fee for a gold card is generally 200 yuan or 300 yuan. The annual fee for a single-currency card is lower than that for a dual-currency card. The annual fee for supplementary cards is generally half the annual fee for the main card.

1. A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

2. Credit cards stipulated in the relevant laws of our country ("Interpretations of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, An electronic payment card with full or partial functions such as transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the "English Translation Standards for Public Service Fields" was officially implemented, stipulating that the standard English name of credit cards is Credit Card_

3. Credit card consumption is a non-cash payment method , there is no need to pay cash when consumption, and repayment will be made on the billing date.

4. Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards where the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit cards A debit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the card can be overdrafted within the specified credit limit. The so-called credit card generally refers to a credit card only.