Let's take a look at the annual fee charged after reporting the loss: this generally means that a new card is issued after reporting the loss, and the original credit card cannot be used, but the card information and debt situation of the original card will be directly transferred to the new card. However, if the old card didn't receive the annual fee before, but the annual fee exemption conditions are not enough, or it is a rigid annual fee, then the annual fee will also be generated after the replacement card is reported lost, and this fee will be directly deducted from the new card quota. However, some card friends said that even if the annual fee is deducted without reaching the annual fee, it can be returned to the bank.

Let's take a look at the situation that there is no annual fee after reporting the loss: if your credit card is reported lost, but you don't reissue it, then your credit card account is frozen and your credit card cannot be used. In this case, you may not charge the annual fee again. But just in case, if you don't want to use the card after reporting the loss, it is recommended to cancel the card directly. As long as the credit card is successfully cancelled, no more expenses will be incurred.

1. It's not cost-effective to apply for a card without swiping it, but also to post the annual fee. However, different banks have different annual fee-free rules, which makes it easy for cardholders to inadvertently generate annual fees. Cardholders generally believe that credit card agents are exempt from annual fees in the first year, but not all cards are exempt from annual fees in the second year when their credit cards reach a certain standard. For example, ICBC's credit card does not charge an annual fee in the first year, but it needs to be swiped five times or spend more than 5,000 yuan to avoid the annual fee for that year; According to the regulations of China CITIC Bank, the annual fee for the first year can only be waived if you swipe your card once in the first month after issuing the card.

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.

3. However, there are also banks that limit the consumption quota. 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 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 pushing back 12 months 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. Generally speaking, ordinary credit cards can enjoy the annual fee-free rule, while the annual fees of gold cards, platinum cards, diamond cards and other cards are usually inevitable.