China Merchants Bank will charge an annual fee after opening a credit card, so if you don't want to use it, it is recommended not to open a card. If you don't want to charge the annual fee after opening the card, you need to swipe your card six times a year to reduce the annual fee, but the first year is free.

Annual fee standard for major credit cards of China Merchants Bank:

Gold card: main card 300 yuan, auxiliary card 150 yuan;

Ordinary card: main card 100 yuan, supplementary card 50 yuan.

Extended data:

If you need to cancel the CMB credit card, you can only transfer money manually through the service hotline. When canceling a credit card, you must pay attention to the following points:

1. After the cancellation of the credit card, please cut off the magnetic stripe of the card, and the complete card cannot fall into the wrong hands.

2. After the credit card is cancelled, you can still log in to the online bank to check the accounting information, and the original card can still receive repayment or refund. Please pay attention to whether the credit card debt has been paid off.

3. If you want to restore the cancelled credit card in the future, you can contact the customer service hotline at any time to apply.

4. There is no handling fee for credit card cancellation, which will not affect the use of other credit cards that have not been cancelled.

China Merchants Bank-Credit Card Charter