1. 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.
2. Cardholders generally think that the annual fee is waived in the first year for credit card agents, and the annual fee is waived in the following year when the card is swiped to a certain standard, but not all cards do. For example, ICBC's credit card does not have an annual fee in the first year, but it needs to be swiped for 5 times or spend more than 5, yuan to avoid the annual fee for that year; According to the regulations of CITIC Bank, the annual fee for the first year can only be waived by swiping the card once in the first month after issuing the card.
3. In terms of the rules of exempting the annual fee for the following year, some banks stipulate that they can be free as long as they swipe their cards for more than three times, such as China Construction Bank and China Everbright Bank; Some banks require more times to swipe their cards. For example, SDB credit cards require 18 swipes to exempt the annual fee for the following year. Most banks, such as ICBC, Agricultural Bank of China, Bank of China, Bank of Communications, China Merchants Bank, etc., are exempt from the annual fee for 5-6 times.
1. First of all, six free annual charges are not borrowed six times, but spent six times. Brush 6 times a year means that regardless of the amount of consumption, every swipe counts as the number of consumption, and the number of consumption reaches 6 times. Credit cards are usually swiped six times a year without annual fee, but each bank will be different, and different types of cards are different. Some may have to be brushed for 12 times, and the annual fee will be exempted the following year.
2. What's more, some credit cards are counted in the number of purchases online, but some credit cards can only be counted in the number of purchases. Specifically, you should call the customer service of the issuing bank. However, I still have to remind you to pay back in time after consumption. Several friends reported that they forgot to pay back after swiping the card, and the amount was only a few tens of dollars. It was also to avoid the annual fee for the full number of swipes, but they forgot when they paid back later, and almost went to the credit record, so it was not worth the loss.