How to check whether there is an annual fee for a credit card

There are ways to check the annual fee for a credit card:

1. Counter inquiry: You can bring your ID card and credit card to the counter of the issuing bank's business outlets and apply for checking the annual fee for a credit card.

2. online banking inquiry: you can log in to your personal online banking account and check the annual credit fee in your personal account information.

The annual fee rules for credit cards refer to some corresponding regulations on the annual payment of credit cards. Banks are not allowed to charge annual fees for credit cards before the cardholders are activated. However, most people have little knowledge about the various rules for handling annual fees for credit cards in different banks. Most of the annual fees for credit cards are around 1 yuan, and some banks stipulate that the annual fees can be waived by swiping them three times a year.

1. The annual fee policy of most banks has not changed. Generally, the annual fee for standard credit cards is around 1 yuan, while the annual fee for gold cards is generally 2 yuan or 3 yuan. The annual fee for a single-currency card is lower than that for a dual-currency card. The annual fee of the supplementary card is generally halved corresponding to the annual fee of the main card. However, the annual fee standards of credit cards in different banks will vary according to different cards. For example, Shanghai Pudong Development Bank standard credit card Puka annual fee master card 18 yuan, attached card 9 yuan; Gold card annual fee main card 36 yuan, supplementary card 18 yuan; The annual fee for Shanghai Pudong Development Co-branded Card is 36 yuan; As for the Pufa McDull series credit cards, the signboard of "free annual fee for life" has been displayed. Therefore, even for credit cards issued by the same credit card center, the annual fee standard will vary greatly. Cardholders should first ask how high this "potential cost" is when they apply for a card.

2. how can I get rid of the annual fee for my credit card?

there are usually two ways to waive the annual fee. The first one is that the number of swipes reaches the bank's annual fee-free condition, which is suitable for ordinary credit cards, such as credit cards with general card and gold card level, and the bank will automatically reduce or exempt the card if it reaches the standard. The second is to exchange points for free, which is suitable for high-end credit cards, such as platinum cards. The cardholder needs to call the bank to apply, otherwise it will not be reduced.

3. what should I do if the annual fee is deducted from my credit card?

First, pay off the arrears, and then call the bank to ask the customer service if the annual fee can be refunded. Usually, like an ordinary card, after the annual fee is deducted, it can be up to standard through supplementary brushing. For example, China Merchants Bank reduced the annual fee by swiping its credit card for six times, and then replenished it for six times after the annual fee was deducted. Then, it called the customer service and asked the customer service to refund the annual fee, which will usually be returned on the next billing day. This requires everyone to pay attention to the next bill. If there is any arrears, the returned annual fee will first offset the arrears.

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how to check the annual fee of Shanghai Pudong Development Bank

The annual fee policy of Shanghai Pudong Development Bank's credit card is free for the first year, and the annual fee for the next year is free for the accumulated 2, points of the card in the first year (if the accumulated consumption is 2, yuan or the first credit card amount is greater than 99 yuan, 5, points will be given). Gold card holders can be exempted from the annual fee for the following year if they spend more than 5, yuan by swiping their cards within 12 months after renewing their cards in the following year. (except WOW card)

If your accumulated credit card points do not meet the annual fee-free standard within one year, Shanghai Pudong Development Bank will charge you an annual fee. The detailed rules for collecting the annual credit card fee of Shanghai Pudong Development Bank are as follows:

For general cards, 18 yuan is the main card and 9 yuan is the supplementary card.

gold card: the main card is 36 yuan/year, and the supplementary card is 18 yuan/year.

platinum card: 3,6 yuan/year for the main card and 1,8 yuan/year for the supplementary card (the first two cards are free of annual fee).

Platinum Card Standard Edition: the main card is 68 yuan/year, and the supplementary card is free.

WOW series cards: free of annual fee.

Note: The credit card of Shanghai Pudong Development Bank will charge an annual fee even if it is not opened, so if the cardholder holds the credit card of Shanghai Pudong Development Bank, please open the card as soon as possible. If it is no longer used, please cancel the card immediately to avoid unnecessary losses.

According to the unified regulations of the People's Bank of China, Shanghai Pudong Development Bank charges a daily interest rate of .5 ‰, with compound interest on a monthly basis. (Interest is not calculated during the interest-free period)

Shanghai Pudong Development Bank adopts the revolving credit interest calculation method.

revolving credit: revolving credit is a small, unsecured loan with daily interest. According to your own financial situation, you can decide the repayment amount by yourself every month before the due date of the current credit card bill. When the repayment amount is equal to or higher than the minimum repayment amount of the current bill, but lower than the repayment amount of the current period, the remaining deferred repayment amount is the revolving credit balance. Revolving credit is a very convenient loan tool, which not only allows you to enjoy the convenience of swiping your card, but also is a good choice for you to manage your finances easily. If you choose to use revolving credit, you can't enjoy the interest-free repayment period in the current period.

interest calculation of revolving credit: each consumption amount of the last statement is the interest-bearing principal, and the interest-bearing days are from the bookkeeping date to the repayment date of the account, and the daily interest rate is five ten thousandths.

Is there an annual fee for the credit card of Shanghai Pudong Development Bank?

There is an annual fee for the credit card of Shanghai Pudong Development Bank, and different card types will be different, as follows:

1. General card and simple gold card: main card 18 yuan and supplementary card 9 yuan;

2. Gold card and simple platinum card: 36 yuan as the main card and 18 yuan as the supplementary card;

3. Business Travel Gold and Simple Platinum Cards: 4 yuan as the main card and 2 yuan as the supplementary card;

4. Standard Platinum Card: the main card is 68 yuan, and the supplementary card is free;

5. High-end Platinum Card for Business Travel: 1,5 yuan for the main card and 75 yuan for the supplementary card;

6. high-end platinum cards: 3,6 yuan for the main card and 1,8 yuan for the supplementary card;

7. super platinum card category: 1, yuan for the main card and 5, yuan for the supplementary card.

the minimum repayment amount means that if the cardholder has difficulty in repaying all the payables before the due repayment date (inclusive), he can make repayment according to the minimum repayment amount stipulated by the issuing bank, but he cannot enjoy the interest-free repayment period. The minimum repayment amount is 1% of the consumption amount plus other payables. The minimum repayment amount is listed on the current bill.

for cardholders, the setting of minimum repayment amount of credit card can ensure that personal credit is not limited by repayment ability to a certain extent. When you spend too much credit card and the repayment amount exceeds your repayment range, you can choose to repay with the minimum repayment amount, so that your personal credit will not be affected. But what you need to know is that this means that you can no longer enjoy the interest-free period.

minimum repayment amount = 1% of the consumption within the credit line, 1% of the cash advance transaction amount, and 1% of the unpaid minimum amount in the previous period exceeds 1% of the expenses and interest of the consumption within the credit line

At present, in the above formula, the cash advance of some banks adopts the rate of 1% of the minimum repayment. Pay the "minimum repayment amount" before the due repayment date, and the interest will be calculated accordingly. But it will not affect personal credit. Cash advance does not enjoy the minimum repayment.

after spending your credit card, you will receive a statement from the bank when it comes to the billing date. There are two amounts, which we should write down. One is the amount payable in this period, and the other is the minimum repayment amount.

The billing cycle of a credit card is based on a month, usually 3 days, which is generated after you apply for a credit card. After you activate it, your billing cycle will be until the day of next month, during which your consumption will be counted as an installment bill, and the repayment date is set by yourself, usually with a time difference of about half a month.

after the credit card is spent, you will receive a statement from the bank when it arrives at the billing date. There are two amounts, which we should write down. One is the amount payable in this period, and the other is the minimum repayment amount. In fact, this is also a great advantage of the credit card. Once you spend the credit card and it is beyond your repayment range, you can choose to repay it with the minimum repayment amount, so that your personal credit will not be affected. But this means that you can no longer enjoy the interest-free period.

What are the annual fee and annual fee-free policies of Pudong Credit Card?

How to collect the annual fee of credit card and how to avoid the annual fee are issues that everyone is very concerned about. Do you know what the annual fee and annual fee-free policies of Pudong Credit Card are? I'll take you to learn more about it today.

First, the annual fee standard of Pudong Development Credit Card

1. Puka/Simple Gold Card: the main card is 18 yuan; Auxiliary card 9 yuan;

2. gold card/simple platinum card category: main card 36 yuan; Auxiliary card 18 yuan;

3. standard platinum card category: main card 68 yuan; Supplementary cards are free;

4. high-end platinum card: 3,6 yuan for the main card; Supplementary card 18 yuan;

5. Business Travel Gold/Simple Platinum Card: 4 yuan as the main card; Auxiliary card 2 yuan;

6. High-end Platinum Card for Business Travel: 1,5 yuan for the main card; Auxiliary card 75 yuan;

7. super platinum card category: 1, yuan for the main card and 5, yuan for the supplementary card.

ii. annual fee-free policy of PUFA Credit Card

In December p>216, PUFA Credit Card announced the annual fee policy in official website in order to improve the cardholder's experience.

Among them, Accelerated Score Card, VISA Card, tencent games Theme Credit Card, Fortune Star Gold Card, Shenzhen Creative Travel Card, Standard ic Credit Card, Shanghai Shopping Theme Credit Card, Shanghai Travel Card, Hainan Travel Gold Card, Singapore Travel Card, Q-face Credit Card, Pufa Aining Card, Perfect World Co-branded Gold Card, New 1 Pufa Co-branded Credit Card, New Mart Pufa Co-branded Credit Card, Ocean Pufa Co-branded Credit Card, and Star Shangka Bailian OK Puka. Five-star Pufa Co-branded Card, Qiaohong Pufa Co-branded Credit Card, Modern Department Store Pufa Co-branded Card, Songlei Pufa Co-branded Card Wealth Card, Zhuzhou Wangfujing Pufa Co-branded Card, Changsha Wangfujing Pufa Co-branded Card, Songlei Pufa Co-branded Card Diamond Card, Joy Club Pufa Co-branded Card, Meimei Pufa Co-branded Credit Card, Xingshang Pufa Co-branded Credit Card (UnionPay), Zhengzhou New Mart Dual Currency Card, Dashang Group Pufa Co-branded Card, China Eastern Pudong Co- Jinan Henglong Pufa Co-branded Card, Kaixin Consumer Co-branded Card, Taobao Film Co-branded Card, China Eastern Pudong Co-branded Card Platinum Card Simplified Edition (formerly Shanghai Pudong Co-branded Credit Card Platinum Card), China Eastern Pudong Co-branded Card Gold Card (formerly Shanghai Pudong Co-branded Credit Card Gold Card) and China Mobile Pudong Co-branded Card enjoy the annual fee-free policy.

1. The above-mentioned credit cards approved from January 1, 217 (inclusive) to December 31, 217 can enjoy the preferential treatment of exempting the annual fee of the main supplementary card for the first two years;

2. The above-mentioned credit cards approved before January 1, 217 (excluding) can continue to enjoy the preferential treatment of exempting the annual fee for the main supplementary card generated during 217;

The above content is just compiled. I hope it will be useful for you about the "policy of annual fee and free annual fee for Pudong Development Credit Card".

you can quickly apply for Pudong Development Credit Card, which is officially authorized, safe and reliable!

how much is the annual fee of Shanghai Pudong Development Bank's credit card?

The annual fee of Shanghai Pudong Development Bank's credit card mainly varies according to the credit card level. The annual fee for the master card of Puka is 18 yuan/year, and the annual fee for the supplementary card is 9 yuan/year; The annual fee for the main gold card is 36 yuan/year, and the annual fee for the supplementary card is 18 yuan/year; The annual fee for the Platinum Card is 3,6 yuan/year for the main card and 1,8 yuan/year for the supplementary card; The annual fee for the standard version of Platinum Card is 68 yuan/year, and the supplementary card is free of annual fee.

usually, credit cards charge an annual fee, and their own credit cards have a certain interest-free period. In addition to installment fees, cash withdrawal interest and handling fees, the annual fee for credit cards is also an income of the bank's credit card business. The annual fees of different credit card products in different banks are different. It is worth noting that the annual fees of some specific credit card products will still be different. In addition, the credit card of Shanghai Pudong Development Bank has an annual fee-free policy. Under normal circumstances, both Puka and Gold Card can enjoy the annual fee-free in the first year, and after meeting certain requirements, they can be exempted from the annual fee for the next year.

Shanghai Pudong Development Bank (hereinafter referred to as Shanghai Pudong Development Bank or Shanghai Pudong Development Bank) is a national joint-stock commercial bank established with the approval of the People's Bank of China on August 28th, 1992, opened on January 9th, 1993, and successfully listed on the Shanghai Stock Exchange in 1999 (stock exchange code: 6). Its head office is located in Shanghai.

in p>218, Shanghai Pudong Development Bank ranked 7th in Forbes "Global Enterprise 2"; The British "Banker" "Top 1 Global Banks" ranked 25th; The United States "Fortune" "Fortune 5" ranked 227th. Shanghai Pudong Development Bank is one of the few joint-stock commercial banks in China that have been rated above investment grade by three international rating agencies at the same time.

while deeply cultivating financial services, Shanghai Pudong Development Bank actively practices social responsibility and is committed to building excellent corporate citizens. In 218, Shanghai Pudong Development Bank was awarded "Best Accurate Contribution Award for Poverty Alleviation" and "Best Special Contribution Network Award for Social Responsibility" by China Banking Association, and "Best Green Finance Award" by China Banking Association in 217. In the new round of development, Shanghai Pudong Development Bank will fully implement the spirit of the 19th National Congress of the Communist Party of China, the National Financial Work Conference and the Central Economic Work Conference, change according to the situation, follow the trend, take advantage of the situation, promote transformation and development, adhere to customer-centered, technology-led, build a first-class digital eco-bank, and strive to become the vanguard of high-quality development of the financial industry in the new era.

Is there a management fee for Pudong Development Credit Card?

There is a management fee for Pudong Development Credit Card, and the annual fee for ordinary card of Pudong Development Bank Credit Card is the main card in 18 yuan every year. There are three kinds of platinum cards: the annual fee is 36,68,36 yuan respectively.

Under normal circumstances, you can waive the annual fee by spending your card three to five times a year. It is recommended to contact the customer service hotline of Pudong Credit Card Center to consult the policies of local banks in detail.

For more information about the management fee of Pudong Development Credit Card, go to: See more contents

This is the end of the introduction about how to check the annual fee of Pudong Development Credit Card and how to check the balance of the annual fee of Pudong Development Credit Card. I wonder if you have found the information you need?