Hua Xia Bank’s credit card will have an annual fee starting from the second year, but there is a simple way to avoid it. The annual fee is waived in the first year, and the condition for the annual fee in the following year is that the cardholder completes more than five card purchases within the billing year. "Card consumption" here means non-cash transactions, such as shopping, dining, etc. During the interest-free period from the bank accounting date to the due repayment date, as long as you repay in full, you can avoid interest. It is worth noting that cash withdrawal transactions do not enjoy interest-free discounts and require full payment of interest.

In addition, the limit management of Hua Xia Bank credit cards has been adjusted. The credit limit and installment limit of a credit card are combined, so that transactions including consumption, cash withdrawal, flexible installment, etc. can be used flexibly within the credit limit. For example, if the credit limit before the merger is 10,000 yuan, the installment limit is 5,000 yuan, and the total credit limit after the merger is 15,000 yuan, no matter what kind of transaction is conducted, it must be operated within this range.

In general, the key to getting rid of the annual fee for a Hua Xia Bank credit card is to meet the consumption requirements and pay attention to timely and full repayment to enjoy the interest-free discount. At the same time, understanding and rationally utilizing the combined limit is an important guide for cardholders in their daily use of the card.