Look at the effective date of the card. If you apply for the card in December, you can be exempted from the annual fee for the next year by swiping the card 5 times before December next year. There is no limit to the amount for 5 times. If your card has an annual fee after activation, you can pay the annual fee first, and then if you swipe the card more than 5 times recently, the annual fee will be refunded to your card, so you don't have to worry. If you want to apply for the automatic repayment service, you need to have your own debit card from Bank of China, then call 4006695566 and tell the agent that you want to apply for the automatic repayment service. After this business takes effect, it will deduct money from your debit card and repay your credit card on the last day of your repayment every month