There is no small account management fee for credit cards. The small account management fee is for debit cards.

Small account management fees are account management fees that banks charge a certain amount every month for those accounts whose average daily balance is less than a certain amount. Generally, each bank has this fee item, and the specific amount is different. Charging this fee is a change in the bank's business philosophy.

However, in accordance with the relevant regulations of the China Banking Regulatory Commission, starting from August 1, 2014, these two fees (bank card small account management fees and annual fees) will be "double exempted", but citizens need to hold ID cards Only by actively applying for a bank card at a bank outlet can you be exempted from these two fees, and a bank can only apply for one "dual exemption" account. According to bank staff, the reason why citizens need to actively apply is because many people have opened multiple accounts at the same bank. Considering the customer's right to choose, cardholders need to actively propose which card to apply for free. When applying, you can either apply for "double exemption" on one card, or you can exempt one card's annual fee while exempting the other card's small account management fee.