A credit card does not charge an annual fee, and a China Construction Bank credit card does not charge interest or any fees other than an annual fee.

If you do not open the card after receiving it, and do not swipe the card more than 3 times after opening, the bank will charge you an annual fee of 160 yuan for the gold card and 80 yuan for the regular card after one year. Because bank bills are repaid on a monthly basis, if you do not repay on time, CCB will indicate that your repayment is outstanding every month before you pay off the annual fee, and it will also be reported to the People's Bank of China's personal credit system. Inside, once the credit system cannot record it, it will affect your loans from any financial institutions in the next two years.

If you don’t want to incur any fees, there is only one way, which is to call the 800 hotline and the manual desk will cancel the card for you. This is the only way to cancel the CCB credit card. There will be no fees in the future. If you If you tell your bank card that you have lost it, the bank will not waive your annual fee, and will even advise you to report the loss, which will cost you 50 yuan. Anyway, if you swipe the card three times within a year after opening the card, there will be no annual fee next year, so why not?

Extended information:

Basic information of China Construction Bank credit card

Annual fee exemption policy: Swipe the card 3 times for the Standard Card Gold Card to waive the annual fee for the following year (excluding business card, car card and other special cards)

Cash withdrawal handling fee: Domestic: 1‰ of the transaction amount, minimum 2 yuan, maximum 50 yuan; overseas: 3% of the transaction amount, minimum 3 US dollars.

Maximum interest-free period: 50 days

Multi-account management: enjoy unlimited quotas, independent billing days and independent repayments.

Online payment: Alipay: can be used after online registration, single and single-day limits are 5,000 yuan

Instalment business: support interest-free installments (3 installments, 6 installments) at specific merchants Issue, Issue 12, Issue 24). After a single purchase of more than 1,000 yuan, you can apply for installments (3, 6, or 12 installments) by phone. Each installment will incur different handling fees depending on the number of installments.

Billing date: 27th of every month, can be modified once a year.

Card type: Gold card (limit 10,000-50,000 yuan)

Currency: RMB

China Construction Bank Credit Card provides you with cash withdrawals (cash withdrawals) Services, cash withdrawals (cash withdrawals) are subject to a cash withdrawal fee. According to the relevant regulations of the People's Bank of China and the State Administration of Foreign Exchange, within the country, the cumulative amount of daily cash withdrawals (cash withdrawals) per card shall not exceed 5,000 yuan (excluding withdrawals at overpayment outlets);

Reference: Baidu Encyclopedia "Construction Bank Credit Card"