1. One year is calculated from the user’s card activation time.

2. Under normal circumstances, the annual credit card fee is calculated one year from the time when the user opens the card and activates it, rather than based on the natural year. For example, if a user opens a card and activates it on January 1, 2020, then January 1, 2021 will be one year for calculating the annual fee for the credit card. In addition, most bank credit cards now waive annual fees for the first year, and the annual fees for the next year are waived after the card consumption reaches the standard. For example, the annual fee for a China Merchants Bank credit card is calculated from the issuance date of your card (the validity period below the credit card number, the previous date is the issuance date), not the calendar year. The specific standards are as follows:

1) The annual fees for credit cards of different banks will be different, and the specific annual fee charging standards depend on the bank’s regulations;

2) The annual fees for credit cards of different levels The fees will also be different;

3) Generally, the higher the credit card level, the higher the annual fee will be. Basically, platinum card>gold card>regular card.

Annual fee deduction time: The credit card annual fee deduction basically depends on the activation date of your card. When you activated the card, the annual fee will be charged on this date again. conduct. For example, if you activate your card on June 6, your card will generally be charged an annual fee on June 6 of the following year. Although most banks use this method to charge annual fees, there are exceptions. For example, China CITIC Bank's credit cards charge annual fees 60 days after you open the card.

1. Bank card annual fees usually refer to debit card annual fees, but in a broad sense, they include credit card annual fees, online banking annual fees, etc. Debit cards charge an annual fee, but some banks waive the annual fee. Credit card annual fees are generally charged, and the fees are high, ranging from several hundred.

2. Credit cards all have annual fees. Depending on the bank, the type and level of the card, the annual fee for credit cards is also different. However, the annual fee policies of most banks are basically the same. Generally, the annual fee for a standard credit card is about 100 yuan, while the annual fee for a gold card is generally 200 yuan or 300 yuan. The annual fee for a single-currency card is lower than that for a dual-currency card. The annual fee for supplementary cards is generally half the annual fee for the main card.