According to the inquiry, the online loan network shows that credit cards that can be exempted from the general annual fee still have the opportunity to be exempted after receiving the account. Because many banks stipulate that as long as the cardholder can pay in full within one month after deducting the annual fee, he can refund the deducted annual fee. As for those credit cards that charge a rigid annual fee, if the annual fee is generally reduced, it can only be deducted through points. Therefore, if the cardholder does not accumulate enough points, the annual fee of his card cannot be reduced. After the annual fee is paid, it is impossible to refund the annual fee as long as it meets the requirements within a limited time, like those credit cards that can charge the annual fee for free.

I suggest that you try your best to complete the annual fee waiver within the annual fee cycle. After all, except for those high-end credit cards that charge rigid annual fees, it is difficult to reduce them. Most other general cards and gold cards have reduced the annual fee very well. Generally, it can be reduced by brushing several times a year.