To inquire about the annual fee exemption for a credit card, you can directly call the customer service hotline of the bank to which the credit card belongs.

ICBC Credit Card Center Tel: 95588;

Industrial Bank Credit Card Center Tel: 95561;

Guangfa Bank Credit Card Center Tel: 95508;

< p>Ping An Bank Credit Card Center Tel: 95511-2;

Construction Bank Credit Card Center Tel: 400-820-0588;

Bank of China Credit Card Center Tel: 400-66-95566;

The telephone number of Agricultural Bank of China Credit Card Center: 400-66-95599;

The telephone number of China Merchants Bank Credit Card Center: 400-800-9888;

The telephone number of Bank of Communications Credit Card Center : 400-820-5555;

CITIC Bank Credit Card Center Tel: 400-88-95558;

China Everbright Bank Credit Card Center Tel: 4007-888-888;

< p>Minsheng Bank Credit Card Center Tel: 400-66-95568;

Hua Xia Bank Credit Card Center Tel: 400-820-8788;

Shanghai Pudong Development Bank Credit Card Center Tel: 400-66- 95577

Notes on using credit cards:

1. Repay on time:

After using a credit card, be sure to remember to repay on time. Once it is overdue, it will not only result in a bad credit record, but the bank will also charge overdue penalty interest.

2. Don’t swipe your credit card too frequently:

Some people use credit cards frequently and the intervals between card swiping are short. Such behavior can easily be risk controlled by banks.

3. Consumption diversification:

When cardholders use credit cards to make purchases, they should diversify their purchases and not be limited to one place. They can swipe their cards in hotels, restaurants, shopping malls, etc. . If you keep spending in one place, the bank will think that the cardholder does not have the spending power and will lower the credit limit of the credit card.

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is Credit Card.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).

On May 25, 2021, the Supreme People's Court issued and implemented the "Regulations of the Supreme People's Court on Several Issues in the Trial of Bank Card Civil Disputes".