Credit card annual fee rules refer to some corresponding provisions of credit card annual fee. Before the cardholder activates the credit card, the bank shall not charge an annual fee. The annual fee of credit card is mostly around 100 yuan, and some banks stipulate that the annual fee can be waived by swiping it three times a year.
Every bank has a different policy of collecting annual fees. In addition, even credit cards issued by the same bank will be differentiated according to the level of the card. Most of them are exempted by trading a certain number of transactions, not the amount. Take CCB credit card as an example:
CCB credit card ordinary card, the annual fee of the main card is 80 yuan, and the deputy card is 40 yuan;
Gold master card: master card 160 yuan, and deputy card 80 yuan; Both of them are free of annual fees by swiping the card or withdrawing cash (unlimited amount) three times a year.
Titanium Gold Platinum Card: the main card is 380 yuan, and the auxiliary card is 180 yuan. There is no annual fee for spending by credit card or withdrawing cash 6 times a year (unlimited amount). (This is a preferential annual fee policy until 17 12 3 1).
Annual fee of standard platinum card: 580 yuan as the main card and 300 yuan as the auxiliary card. Annual fee is free for spending or withdrawing 10 cash (unlimited amount) by credit card every year.
There are also some special cards, such as car cards and 200 yuan annual fee, which will be collected as long as the card is opened, and no matter how many strokes are swiped. However, this card service is also good, which can offer preferential car washing, oil change with points and free road rescue.
Extended data:
Annual fee standard
The annual fee policy of most banks has not changed. Generally, the annual fee for standard credit cards is around 100 yuan, while the annual fee for gold cards is generally in 200 yuan or 300 yuan. The annual fee of a single-currency card is lower than that of a dual-currency card. Generally, the annual fee of the supplementary card is halved corresponding to the annual fee of the main card.
However, the annual fee standard of credit cards of different banks will be different according to different cards. For example, the annual fee of the standard credit card of Shanghai Pudong Development Bank is the main card 180 yuan and the auxiliary card 90 yuan; Gold card annual fee 360 yuan, main card, auxiliary card 180 yuan; Annual fee for Pudong Development Co-branded Card 360 yuan; As for PUFA McDull series credit cards, the signboard of "Free Annual Fee for Life" has been put up.
Therefore, even for credit cards issued by the same credit card center, the annual fee standard will be very different. Cardholders should first ask how high this "potential cost" is when handling cards.
Baidu Encyclopedia-Credit Card Annual Fee Rules
Is there an annual fee for credit cards? What is the annual fee, if any?
Generally speaking, credit cards have an annual fee, which varies from card to card, generally between 100~300 yuan. When using a credit card, if the number of swipes cannot be reduced, we still have to pay an annual fee. This money will be deducted from the credit limit of the card, so please pay it back in time, otherwise it will be overdue.
1. Annual credit card fee. Take China Everbright Bank as an example. Annual fee of standard dual-currency credit card: Puka is free of annual fee in the first year, and it is free of annual fee in the following year if you swipe your card five times in one year. The gold card is free of annual fee in the first year, and the amount of one year 10000 is free of annual fee in the next year. Puka: the main card 100 yuan/year, and the auxiliary card 50 yuan/year. Gold card: main card 200 yuan/year, supplementary card 100 yuan/year.
If money is tight, credit card can really help you solve your urgent need. The annual fee is determined according to the type of credit card. Generally, Puka is free of annual fee in the first year, and I also use a credit card. For example, the gold card of ABC is 160 yuan/year. You can also call the customer service of the bank to find out.
Benefits of credit cards
1, safer than cash
I used to take a lot of cash with me every time I went out. On the one hand, it is not safe to put it on me, and it is easy to lose it. But with a credit card, it's different. Credit card is directly used when spending, which saves the trouble of carrying cash and is not easy to lose. Even if it is stolen or lost, it can be reported as soon as possible, which is safer than carrying a lot of cash with you.
2. There are often preferential activities.
Many banks' credit cards will cooperate with merchants, and credit cards will enjoy discounts or other concessions. This is equivalent to saving you money. If you use credit cards frequently, you can also accumulate points. You know, credit card points still have many benefits. Usually, you can also exchange some small daily gifts or participate in some lucky draws.
3. Personal credit record is good.
Frequent use of credit cards, timely repayment, without any overdue, can increase your credit limit and improve your credit. In this way, it will be much easier to get a loan to buy a house and a car in the future, and the amount will be relatively higher than others.
4.+++ Difficulties can be alleviated in time.
If we need to pay a large sum of money at one time, we may not be able to withdraw that much money at one time, and then the role of credit cards can be brought into full play. If you use a credit card and pay by installment, you can alleviate your financial pressure to some extent. Of course, if you choose to stage, you need to pay a certain amount of interest, but you can avoid excessive financial pressure.
Although using credit card has many advantages, there are also some things to pay attention to. It is best not to use the credit card overdue, and remember to repay it on time. Because credit card consumption and repayment records are recorded, if the repayment is often overdue, it may be blacklisted by the bank, and it will be more difficult to buy a house and a car with a loan in the future.
Is there an annual fee for credit cards? How much is it usually a year?
There is an annual fee for credit cards.
Take ICBC's recruitment behavior as an example:
China Industrial and Commercial Bank Credit Card Annual Fee:
The annual fee for domestic ordinary cards is 50 yuan, gold card 100 yuan;
Ordinary card fee of international dual-currency card 100 yuan, Gold Card 200 yuan;
Business Ordinary Card 200 yuan, Golden Card 400 yuan;
Platinum card 2000 yuan; The annual fee of all secondary cards is half of the annual fee of the main card.
In addition, the annual fee-free policy of ICBC's credit card is supplemented:
The annual fee of ICBC is charged after the first use, that is, one year after the account is opened. As long as you pay 5,5000 yuan (3 student cards or 3,000 yuan, Platinum Card10.6 million points free of annual fee or 200,000 free of annual fee) in this year, you will be exempted from the annual fee of that year. At the same time, ICBC does not charge an annual fee for opening credit cards.
Annual Credit Card Fee of China Merchants Bank:
Gold card: main card 300 yuan, auxiliary card 150 yuan.
Ordinary card: the main card is 65,438+000 yuan, and the auxiliary card is 50 yuan.
VISAMINI cards: each set of main cards 150 yuan, and each set of supplementary cards/75 yuan.
VOGUE Titanium Card: RMB 300 yuan per card in the first year of the main card, and the annual fee is reduced in other years during the validity period, and there is no annual fee for supplementary cards.
HELLOKITTY Gold Card (perfume card): the main card is 300 yuan, and the auxiliary card is 150 yuan.
American Express Card: Gold Card 190 yuan, Green Card 180 yuan and 90 yuan.
Classic platinum credit card: 3,600 yuan for the main card and 2,000 yuan for the supplementary card.
Exquisite Platinum Credit Card: 800 yuan as the main card and 300 yuan as the auxiliary card.
Unlimited credit card: the main card 10000 yuan, the auxiliary card 5000 yuan.
Business card: elite business credit card 300 yuan/card; Business credit card is 65438 yuan +000 yuan per card; Buy credit cards, each in 50 yuan RMB.
American Express Corporate Card: Gold Card for each card in 380 yuan and Green Card for each card 180 yuan.
How much is the annual credit card fee?
In general, the annual fee for Puka is 100- 150 yuan; The annual fee for a gold card is 300-500 yuan, and the annual fee for a platinum card is often above 1000 yuan.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
The invention of credit card is like a double-edged sword, which can solve the temporary economic crisis. However, the purpose of issuing credit cards is to make money. Once the interest-free repayment time is exceeded, high interest will be charged, usually five ten thousandths of interest per day.
Blind consumption of credit cards is not like paying cash in a lump sum. I don't feel anything when I brush. A few figures lead to blind consumption and spending money like water.
Excessive consumption of notebooks, digital cameras and smart phones, while enjoying your favorite items in advance, you should also consider whether you can repay them.
High interest If you can't get a credit card and can't repay on time when the final repayment date comes, the bank will charge you high interest. (The minimum repayment amount of a credit card in the first month shall not be less than 10% of its overdraft amount in that month).
Credit cards that need to pay an annual fee basically have an annual fee, but they basically have an annual fee-free policy. For example, CCB can be exempted as long as it is brushed three times a year; But if you don't swipe your card to the bank the specified number of times within a year, you need to charge an annual fee.
Stealing a credit card is basically a default credit card consumption without password, which is easy to be stolen by others when it is lost or stolen, causing unnecessary trouble or loss; But in fact, credit cards can also be charged by passwords-it depends on how you manage your credit cards. Of course, many people have not cancelled their credit cards because of their lack of experience in this field, and some lawless elements have reapplied for credit card overdraft, which is not worth it.
Long-term malicious arrears that affect personal credit records will naturally affect personal credit records and even be blacklisted by banks. If you want to borrow money from the bank to buy a house and a car in the future, you may be rejected by the bank.
CCTV reported that a cardholder received a bank bill several months after paying off all debts and canceling his credit card, and what happened afterwards made him miserable. This article named "Unknown Credit Card" exposes the disadvantages of current credit cards.
Although credit cards have an interest-free period, they are only for credit card consumption. There is no interest-free period for cashing, and a handling fee is charged.
How much is the annual credit card fee of China Bank?
China Bank credit card annual fee collection standards are as follows:
(1) BOC/Great Wall Global Connect products:-Personal card: Puka: up to 100 yuan/card; Theme card: the highest 280 yuan/card; Gold card/titanium card: the highest 300 yuan/card;
(2) Platinum card: the highest 800 yuan/card;
(3) High-end cards: up to RMB 8,800 per card;
(4) Business card/company card: the highest 360 yuan/card;
Among them, annual credit card fees such as salary, pension, subsistence allowance, medical insurance, unemployment insurance and housing provident fund are exempted; Annual fees of credit cards such as official cards of central and local budget units.
You can check it through the official website of Bank of China ()-Bank Card-Service Guide-Card Use Guide-China Bank Credit Card Service Price List.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
How much is the annual fee for the credit card?
How much is the credit card fee?
The annual fee of 1. is one of the basic fees of credit cards, which is charged annually. Generally, there are several kinds of annual credit fees, such as annual fee exemption for credit cards, annual fee redemption for points, and rigid annual fee collection. For details, please refer to the article "How much do you know about the annual credit card fee? Look here! The general amount is from 0 yuan, 200 yuan, 300 yuan, 500 yuan, 800 yuan, 1000 yuan, 1800 yuan, 3,000 yuan, etc.
2. Card swiping fee: According to national regulations, card swiping fee can be divided into public welfare (0 rate), concession (0.38% rate) and standard (0.6% rate). When we use a credit card to spend money in a merchant, according to the different types of merchants, we deduct the expenses actually received by the merchant from the amount we spend. (Handling fee = credit card amount and credit card rate). If it is normal consumption, we don't need to bear the cost of this piece.
3. Installment fee: After spending by credit card, especially after spending a large amount, if we are short of funds or receive a phone call from the bank, we will be told that installment can reduce the repayment pressure, and some people will choose installment after they have the opportunity to raise the amount. At this time, you need to bear an installment fee.
Many people often have++situations in their lives and will apply for a loan emergency. Baidu has money to spend: Du Xiaoman's micro-credit loan has a maximum amount of 200,000, a maximum loan period of 24 months, and an annual interest rate as low as 7.2%. The specific interest rate is subject to the loan page. Be able to borrow and repay flexibly, apply online all the time, without guarantee and mortgage. The results will come out in a few minutes at the earliest after submitting the application, and you can get the money on the same day after passing it.
References:
Du Xiaoman has money to spend on official website.
1. Credit card: Credit card, also called debit card, is a credit certificate issued by commercial banks or credit card companies to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
2. Credit card type: 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.
The introduction of universal credit card annual fee and credit card annual fee ends here. I wonder if you have found the information you need?