It is reported that since 2009, according to the regulations of the China Banking Regulatory Commission, banking financial institutions are not allowed to deduct any fees before the credit card is activated without the authorization of the cardholder. Ordinary credit cards do not charge an annual fee, which will not affect the credit history. However, Mr. Ma, an insider in the banking industry, reminded that despite this provision, the special credit cards of individual banks, whether activated or not, will charge an annual fee once the cardholders sign and confirm, so the cardholders are likely to have credit records of defaulting on the annual fee of credit cards without knowing it. "Citizens should not apply for credit cards at will. When bidding, you should read the bank contract clearly and pay the annual fee as agreed. Idle credit cards are best to go to the bank online store or call to cancel. " Mr. Ma said.

It is understood that banks have recently launched annual fee concessions, and most credit cards do not charge annual fees this year. Starting from the second year, the annual fee of China Merchants Bank's credit card is 100 yuan per year, which can be offset by swiping the card six times a year; The annual fee of China Everbright Bank is 80 yuan every year, which can be credited by swiping the card three times a year or spending 2,000 yuan. ICBC Credit Card Annual Fee 50 yuan; The annual fee of China Construction Bank, 80 yuan, can be credited three times a year.

The customer service of China Merchants Bank Credit Card Center explained that there is an annual fee regardless of whether the credit card is activated or not, but there is a special condition, that is, after each credit card is opened, it is swiped six times respectively, and China Merchants Bank pays the annual fee for the second year. There is no limit on credit cards, and banks only encourage customers to swipe their cards. The annual fee is calculated according to the card opening time, not according to the natural year. It has been made clear in the application form and charging contract filled out by the customer that once the credit card is issued, Party B (the customer) and its cardholder must pay the annual fee on or before the due repayment date of the next year's bill listed by Party A (China Merchants Bank).

In addition, Bian Xiao learned that the annual fee for the first year after the general credit card is processed is paid by the bank. The validity period will be written on the card, and it can be opened within the validity period. In addition to the student card, China Merchants Bank Credit Card will charge an annual fee if it is not opened in the second year. How to charge, how much is the annual fee, please consult customer service. Bian Xiao suggested canceling this card because it was not used.