"Disguised" charges are also common, such as "occupation fee", "production fee" and membership fee.

Annual fee negotiation

Free annual fee means that banks encourage cardholders to spend money by swiping their cards. If the cardholder does not meet the standard of annual fee exemption, most banks will also give some customers annual fee exemption to retain customers, some by additional fee reduction, and some unconditionally!

High-end cards are usually not free.

Most platinum cards or higher are free of annual fees. For example, the annual fee of the top card, American Express Black Card, etc. Such customers are generally not short of money.

Reminder: For credit card holders, there is no need not to apply for supplementary cards as much as possible, because supplementary cards charge an annual fee, which is cheaper than the main card, but it is better to avoid it.