The annual credit card fee refers to the service fee charged by banks for providing credit card services to cardholders, and is also considered as the use fee of credit cards. The bank's annual credit card fees are charged according to different standards, but they are all open and transparent, and can be viewed on the official website system.

Generally speaking, credit card and gold card customers can get a certain amount of credit cards in the first year, and they can be exempted from annual fees. The standards of different banks are different, and the rules issued by specific banks shall prevail. Usually, an annual fee is unavoidable for a platinum card in the first year. As long as the application is successful, the annual fee can be deducted directly If you want to avoid the annual fee, you must accumulate points or spend a certain amount to avoid it.

Can I not pay the annual credit card fee?

If the annual fee of credit card is hard, it must be paid. If you don't pay the annual fee, you will have overdue records. Overdue records will affect personal credit information. The annual credit card fee is free for life, or you can swipe your card for free. In this case, the annual fee cannot be paid. As long as the user meets the conditions of annual fee exemption, the system will automatically waive the annual fee.

In addition, the card charges an annual fee, and the user can also get back the annual fee collected through a supplementary brush, thus reducing the fee.