Credit cards don't have to be swiped every month. As long as the number of swipes per year is not less than the number required by the issuing bank, the annual fee for the following year can be waived.

Credit card repayment method:

Cash repayment at the counter, there is no handling fee for this.

2. Repayment through local ATM deposit, with no handling fee.

3. there is a handling fee for repayment through local inter-bank ATM transfer.

4. There is a handling fee for repayment through our ATM deposit in different places.

5. Repayment can also be made through online banking, and local inter-bank payment can be made in different places. Only local banks have no handling fees.

Extended data:

Credit Card (English: credit card), also known as credit card. It is a non-cash transaction payment method and a simple credit service.

Credit card is generally a special carrier plastic card with consumer credit, which is 85.60mm long, 53.98mm wide and 1mm thick. It is issued by banks to individuals and units, so that they can shop, spend and deposit and withdraw cash from banks. The form is a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.

Credit cards are issued to cardholders by banks or credit card companies according to the credit and financial resources of users. Cardholders do not need to pay cash when using credit cards, but will make repayment on the billing date.

2065438+On April 5, 2006, the central bank issued the Notice of the People's Bank of China on matters related to credit card business, canceling the late payment fee for credit cards, introducing liquidated damages, and prohibiting the collection of over-limit fees. The new regulations came into effect on April 20, 2007.