Credit cards don't have to pay annual fees several times a year. Different banks have different rules. For example, when some credit cards are issued, they are stipulated to be free of annual fees within the validity period, and users will not charge annual fees if they don't swipe their cards. Then a certain number of reductions and exemptions. For example, the standard card annual fee of the Agricultural Bank of China Jinsui is exempted from the annual fee of the following year for 5 times. You can call the customer service hotline at the specific time.

1. It should be noted that high-end credit cards issued by banks generally do not reduce the annual fee, because high-end credit cards contain more rights and interests, and users can get many discounts when using credit cards.

Attention should be paid to the annual credit card fee:

1, credit card annual fee calculation cycle. Many people think that fees are usually settled at the end of the month, the end of the season or the end of the year, but the annual fee of credit cards is not calculated like this.

Some banks take a one-year delay from the card issuance approval date as the annual fee settlement cycle, some banks take a 60-day delay from the card issuance date as the annual fee collection time, and some banks take the first billing date as the starting time. The regulations of major banks are different. Please refer to the time given by credit card banking outlets.

2. Some supplementary cards also have annual fees. For some supplementary cards, the bank will also charge an annual fee, which is determined by the issuing bank. However, the annual fee of the supplementary card is not as much as that of the main card, which is generally half of that of the main card. If you apply for a supplementary card, don't forget to spend or pay the annual fee, otherwise there will be credit stains.

In order to encourage card processing, the bank will waive the annual fee for the first year, but the annual fee for the second year needs to be reduced according to the number of credit cards. It is important for cardholders to understand these rules and avoid paying high annual credit card fees. At present, China Construction Bank can brush it three times a year to avoid the annual fee for the following year; Guangfa Bank and Bank of Communications are exempt from annual fees for 6 times; Many other banks, such as ICBC, exempted the annual fee for the following year five times.

However, it should be noted that some high-grade credit cards have harsh annual fee-free policies, and cardholders need to pay great attention. For example, a platinum card must be swiped 20 times and the amount exceeds 80,000 yuan to avoid the annual fee.

Annual fee standard for some credit cards of CITIC Bank:

1. Puka: RMB 100 for the main card, RMB single-currency card and Visa\ MasterCard dual-currency card; Express dual-currency card, RMB 180. Supplementary cards, RMB single-currency cards and Visa\ MasterCard dual-currency cards are RMB 50 yuan; The American Express dual currency card is RMB 100.

2. Gold card: main card, RMB single currency card 200 yuan; Visa\ MasterCard dual currency card is RMB 300 yuan; The dual-currency card of American Express is RMB 380 yuan. Supplementary card, RMB single currency card 100 yuan. Visa\ MasterCard dual currency card is RMB150; Fast dual currency card 200 yuan.

3. Platinum card: Zunshang card, main card: RMB 3,600; Supplementary card: RMB 2000. Distinguished card, the main card is 2000 yuan;

Supplementary card RMB 1000 yuan. Jingyi card, main card: RMB 980 yuan; Supplementary card RMB 480 yuan. Elite card, main card: RMB 480 yuan; Supplementary card, RMB 240 yuan.

4. Private bank credit card platinum card: main card: RMB6,800; Supplementary card: 3800 yuan.

5. Royal card: main card: 20,000 yuan; Supplementary card: 10000 yuan.

6. Diamond card: main card: 20,000 yuan; Supplementary card: 10000 yuan.

Credit cards can be swiped at least several times a year, and the annual fee can be exempted?

Most credit cards require an annual fee, but some banks will launch an annual fee-free activity. Cardholders can get rid of the annual fee by swiping their cards five times a year. However, it should be noted that each bank's annual credit card fee is different, so it is best to consult clearly when handling it.

Credit cards are free of annual fees, and the situation varies from bank to bank, as follows:

ICBC: The annual credit card fee is in 25 yuan. If you spend 5 times a year or the amount reaches 5000 yuan, you can avoid the annual fee of that year.

Agricultural Bank of China: Free annual fee for the first year. Starting from the second year, the annual fee for the gold card is double currency 200 yuan, and the annual fee for the general card is double currency 100 yuan. Annual fee of individual single-currency gold card 160 yuan, Puka 80 yuan. Credit card spending 5 times in the first year, free of annual fee in the second year.

Bank of China: Great Wall Credit Card quasi-credit card gold card 100 yuan, Puka annual fee 20 yuan; Gold card annual fee 150 yuan, ordinary card annual fee 50 yuan. Users who apply after March 1 will be exempted from the annual fee for the first year and the annual fee for the next year after spending five times; Bank of China's credit card is free of annual fee in the first year, and the annual fee is free in the second year after five swipes. The annual fees of BOC series credit cards are different, for example, the annual fee for city cards is 100 yuan.

CCB: Gold card and Puka are exempt from the annual fee for the first year, and swiping the card three times a year is exempt from the annual fee for the next year. Gold card annual fee 160 yuan, Puka 80 yuan.

China Merchants Bank: Free annual fee for the first year. From the second year onwards, the annual fee for gold card is 300 yuan, and the annual fee for ordinary card is 100 yuan. Spending 6 times a year (unlimited amount) can be exempted from the annual fee of the following year.

Pufa: Gold card and Puka are free of annual fee in the first year. In the first year, the consumption amount of gold card is over 5,000 yuan, and the consumption amount of Puka is over 2,000 yuan, so the annual fee for the second year is exempted.

Now most banks have preferential policies, and you can deduct it after spending a certain number of times. However, the number of annual fee exemptions varies from bank to bank, depending on the standards published by the credit card issuing bank in your hand. High-end Platinum Card and Unlimited Card both have the requirement to exempt the consumption amount and annual fee of points, otherwise they cannot be exempted.

Before the cardholder activates the credit card, the bank shall not charge an annual fee. However, in the face of various rules for handling annual credit card fees by different banks, most people often have a little knowledge. However, it should be reminded that most banks' credit cards are now free of annual fees in the first year.

The validity period of credit card activation is generally three years, but each card is not necessarily the same, as long as the credit card can be activated and used within the validity period. However, the bank's customer service staff reminded cardholders that general credit cards can be exempted from annual fees if they swipe their cards 3-6 times in the first year. However, if the cardholder activates the credit card in the second year, the annual fee will be charged directly. As we all know, there will be no charge if the credit card is not activated, because the CBRC stipulates that the credit card cannot be charged without the cardholder's activation.

Credit cards are swiped several times a year, and there is no annual fee.

Banks have different regulations on the exemption of annual fee for credit cards. Usually, three, five or six times a year can exempt the annual fee for that year. However, banks also have regulations for exempting annual fees, regardless of the number of swipes. For example, it is stipulated that only the accumulated consumption exceeds RMB can the annual fee be reduced or exempted.

Generally speaking, only ordinary credit cards can enjoy the rule of annual fee exemption, while advanced credit cards such as gold card, platinum card and diamond card are usually unable to reduce the annual fee.

For example, Everbright Credit Card is exempt from annual fee in the first year, and it can be exempted from annual fee as long as it is swiped three times in the following year. The annual fee of CCB ETC credit card is 80 yuan, and it is free to spend 3 times a year. Gold card annual fee 160 yuan. If you spend or withdraw money three times a year for each card (the amount is not limited), you can avoid the annual fee of that year.

For more information about the number of times credit cards are swiped each year, please visit: See More.

How many times does my China Bank credit card need to be swiped to get rid of the annual fee?

At present, if the Bank of China credit card is not activated, it will not charge any fees. During the credit card year of BOC, if the accumulated consumption of the account meets the following conditions, the annual fee for the current year can be reduced or exempted, except for special card types:

1, the individual Jinpu card is exempt from the annual fee in the first year and 5 swipes in the second year; Supplementary card annual fee waiver policy is the same as the main card;

/2. Old customers and new customers need to pay the annual fee of 12 for the next year, and the amount of reduction or exemption exceeds 20,000 yuan, or exchange the annual fee of 65,438+10,000 trading points; Supplementary card annual fee waiver policy is the same as the main card;

3. China Bank's all-currency international chip series gold card, ordinary card and platinum card: before June 65438+February 3, 20201,the annual fee is exempted.

4. BOC World Polar Card/New Unlimited Card+Diamond Card: In 2020, the annual fee collection policy will be strictly implemented for World Polar Card/New Unlimited Card+Diamond Card. In principle, all customers charge annual fees or customers exchange 200,000 trading points for annual fees.

5. China Bank Unlimited Card Dual Currency Card: According to the 2020 policy, an annual fee is required in principle; The annual fee for the following year requires customers to exchange 200,000 trading points.

6. American Express Private Bank Card: The annual fee for the following year requires customers to exchange 800,000 trading points, 480 exclusive points or 400,000 trading points +240 exclusive points.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.

How many times does China Bank swipe its card?

China Bank's credit card, Jinpu Card, is exempt from the annual fee for the first year and the annual fee for the next year after swiping it five times. Platinum cards are exempt from the annual fee for the first year, and the annual fee for the next year can be reduced if the accumulated consumption of credit cards reaches 12.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.

This concludes the introduction of how many times the credit card is swiped and how many times the credit card is swiped. I wonder if you have found the information you need?