2. 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 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 Bank of Communications [8.79 4.27% Credit Card Center told the reporter that the annual credit card fee is based on the collection time of the first year's annual fee, and it is pushed back by 12 months, which is the collection time of the second year's annual fee. 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. Some banks cancel their cards in sleep card, stipulating that ICBC will automatically deduct the management fee of 3 yuan and the annual fee of 10 yuan if the average daily balance of accounts in the current quarter is less than that of 300 yuan. If you owe money for one and a half years, the bank will automatically close the account. To restore the use, you need to pay the arrears.
Agricultural Bank of China: If the average daily balance of the account in the current quarter is less than that in 500 yuan, the bank will automatically deduct the quarterly 3 yuan management fee and annual fee 10 yuan. If you are in arrears for 18 months, you will automatically become a "sleeper". When you close your account, you need to pay the arrears. Bank of China: Debit card charges an annual fee 10 yuan. If the balance is insufficient, arrears will be formed. If you want to cancel or reuse your account, you need to make up the arrears. Accounts with zero balance for one year and not used for three years will be cancelled by the bank. CCB: If the average daily balance of the account in the current quarter is less than that in 300 yuan, the bank will automatically deduct the 3 yuan management fee and 10 yuan annual fee every quarter. Debit cards with zero account balance and no transaction for three consecutive years (including three years) will be automatically cancelled by the bank. Bank of Communications: Debit cards charge an annual fee 10 yuan. If the annual fee is not deducted for two consecutive years, the bank will automatically cancel the card for the customer. During this period, if the customer returns the card by himself, he needs to make up the arrears. China Merchants Bank: If the average monthly balance is less than 1 0,000, the 0 yuan account management fee will be deducted every month, and the bank will not take the initiative to cancel the card. If the customer returns the card voluntarily, he must make up the account management fee owed and cancel the account at any outlet with his ID card and password.
1. For automatic account cancellation, the management of each bank is different. China Merchants Bank needs to meet two conditions at the same time and keep it for three years before it will automatically close its account: First, the account balance is zero; Second, the card has not signed other businesses, such as third-party depository. China Merchants Bank: We will not automatically close the account. If the total monthly assets do not reach 10000 yuan, we will charge an account management fee of 1 yuan per card every month. When closing the account, the cardholder shall submit a written application for loss reporting to the outlet of China Merchants Bank. You can reissue the card after 7 days, and then cancel the account.
2. In addition, the issue of "sleep card" charges is a concern of many cardholders. Most banks will charge corresponding annual fees and small account management fees. Although these bank cards are "sleeping", they will be deducted when they wake up. Postal savings bank: If you want to use this card, classify it as a long-term fixed account, and then deposit money in it, it will deduct the money you owed before. If you don't want to use this card, you have to open a long-term inactive account and cancel it directly, so there will be no account management fee. As of 20 13, 1, most banks will not automatically close their accounts in sleep card, but will also charge fees.