Some special cards, such as co-branded cards, platinum cards and VIP cards launched by some banks, still need to pay annual fees even if they are not activated.
Every credit card has a production cost. Since the successful application of users, credit card accounts have been created, and banks have to pay the cost of data processing and information maintenance. In addition, VIP cards and other functions are diverse, and such special cards will also implement the policy of not opening cards and not charging annual fees, so there will still be fees if they are not activated.
Ordinary personal RMB cards: main card 80 yuan and auxiliary card 40 yuan.
UnionPay standard platinum card, tennis platinum card: main card 580 yuan/year, auxiliary card 300 yuan/year.
Platinum Credit Card (Elite Edition): the main card is 880 yuan/year, and the auxiliary card is 500 yuan/year.
Platinum credit card (collector's edition): 3,000 yuan/year for the main card and 2,000 yuan/year for the auxiliary card.
Extended data
1, Credit Card Annual Fee Reduction Policy of Agricultural Bank of China
The annual fee policy of ABC's credit card is to waive the annual fee in the first year, and you can waive the annual fee in the following year if you swipe your card 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.
The annual fee of Platinum Card is 580 yuan series card, and the annual fee of the following year can be reduced by swiping the card 18 times in the current year. If the cardholder fails to meet the annual fee-free standard within one year, that is, he has not swiped his card five times, the Agricultural Bank will charge an annual fee.
2. China Merchants Bank Credit Card Annual Fee Reduction Policy
Puka Gold Card swipes the card six times without the annual fee of the following year (MSN card set, VISA-MINI card, VOGUE titanium card and NBA credit card (processed before April 2008), (Platinum card and unlimited card do not enjoy this annual fee-free method, and business credit card should be implemented according to the agreement).
People's Daily Online-Nanjing Agricultural Bank Suspected Compulsory Charge Card was inexplicably activated.
People's Network-Men's credit card is not activated. The billing bank of the annual fee is activated by default.