At present, the annual fee policy of ABC's credit card is free of annual fee in the first year, and the annual fee in the following year can be exempted if the credit card is spent five times in the first year. The annual fee for the third year can be waived five times in the second year, and so on. If you don't meet the annual fee-free standard within one year, the Agricultural Bank will charge you an annual fee. Personal platinum card billing fee, color photo card production fee, loss reporting fee, production fee, password reset fee, transaction dispute adjustment fee and emergency handling service fee.

If the cardholder fails to swipe his card for five times within one year, the Agricultural Bank of China will charge an annual fee.

China Agricultural Bank credit card annual fee collection rules are as follows:

Gold card with local and foreign currency in one (UnionPay+foreign currency, dual-currency credit card): the main card is 200 yuan/year, and the supplementary card is 100 yuan/year; General card for local currency and foreign currency (UnionPay+foreign currency, dual-currency credit card): 65,438 yuan/year for the main card and 50 yuan/year for the auxiliary card; Renminbi gold card (UnionPay single currency card): main card 160 yuan/year, and auxiliary card 80 yuan/year; Universal RMB card (UnionPay single currency card): 80 yuan as the main card/40 yuan as the subsidiary card/year; Zunran Platinum Collection Card: 3,000 yuan/year for the main card and 2,000 yuan/year for the auxiliary card; Premium Platinum Card: 580 yuan/year as the main card and 300 yuan/year as the auxiliary card; UnionPay standard platinum card and tennis platinum card: the main card is 580 yuan/year, and the auxiliary card is 300 yuan/year; Golf Platinum Card: the main card is 580 yuan/year.

Credit card type

According to different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, military units, organizations and other legal person organizations.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards.

Credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation.

Quasi-credit card It is a credit card issued by a bank, which deposits first and then consumes. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.

According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

International card. International card is a kind of credit card that can be used outside the issuing country and is universal. MasterCard, VISA Card, American Express Card, American Express Card, JCB Card and Diner Club Card issued by five overseas groups (MasterCard, Visa International, American Express Card and Diner Club Card) are international cards.

Area card. Regional card is a kind of credit card that can only be used in the country or region where the issuing bank is located. Most credit cards issued by commercial banks in China belong to regional cards.