Minsheng Bank's credit card 300 should belong to the gold card level and can enjoy the credit card free policy. If you forget to swipe your card, you can call Minsheng Customer Service at 95568 to apply for an annual fee refund. In this case, the general customer service will make up how many times and how much as a task. After reaching the standard, the bank will automatically return it. This is more humane, because the purpose of the bank is not to earn your annual fee, but to hope to cooperate with you for a long time and create a better future.