If the annual fee refunded by the credit card is returned to the credit card account in the form of overpayment, the user can directly withdraw it from the ATM. If it is returned to the bill, the amount in the credit card bill cannot be withdrawn at this time. Of course, users can directly ask in what form the annual fee of manual customer service is returned.

In addition, users can spend directly by credit card, without taking out the overpaid part, and the bank will charge a handling fee for the overpaid part.

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