2. In general, the annual credit card fee is calculated from the activation time of the user's card opening, not from the natural year. For example, the time when the user opens a card is January 1, 22, so January 1, 221 is a year to calculate the annual fee for the credit card. In addition, most bank credit cards are now exempt from the annual fee in the first year, and the annual fee in the following year can be exempted after the credit card consumption reaches the standard. For example, the annual credit card fee of China Merchants Bank is calculated from the date of issuance of your card (the validity period below the credit card number, and the previous date is the date of issuance), which is not a natural year. The specific standards are as follows:
1) The annual credit card fees of different banks will be different, and the specific annual fee collection standard depends on the bank's regulations;
2) The annual fee of different credit cards will be different;
3) generally, the higher the credit card level, the higher the annual fee, basically platinum card > gold card > general card.
deduction time of annual fee: the deduction of annual fee of credit card basically depends on the activation date of your card. When do you activate the card, then the annual fee will be collected again on this date of next year. For example, if you activate your card on June 6th, then generally your card will be charged an annual fee on June 6th of the following year. Although most banks charge the annual fee in this way, there are exceptions, such as the credit card of CITIC Bank, which charges the annual fee 6 days after you open the card.
1. The annual fee of bank card usually refers to the annual fee of debit card, but it broadly includes the annual fee of credit card and online banking. Debit cards are partially charged with annual fees, and some banks are exempt from annual fees. The annual fee of credit card is generally charged, and the fee is high, ranging from several hundred.
2. Credit cards all have annual fees. According to different banks and different types and grades of cards, the annual fees of credit cards are also different. However, the annual fee policies of most banks are basically not too different. Generally, the annual fee for standard credit cards is around 1 yuan, while the annual fee for gold cards is generally 2 yuan or 3 yuan. The annual fee for a single-currency card is lower than that for a dual-currency card. The annual fee of the supplementary card is generally halved corresponding to the annual fee of the main card.