CITIC Bank charges an annual fee only after swiping the card six times.
Generally, the credit card of CITIC Bank can be exempted from the annual fee for the following year after being swiped for 6 times, except for special cards and VIP.
Most banks such as Industrial and Commercial Bank of China, Agricultural Bank, Bank of Communications, China Merchants Bank, etc. adopt the provision of 5-6 annual fee exemption.
Extended data:
Attention should be paid to the annual credit card fee:
1, credit card annual fee calculation cycle. Many people tend to think that expenses are settled at the end of the month, quarter or year, but credit cards are not.
Some banks will delay the annual fee settlement cycle for one year from the date of issuing cards, some banks will delay the annual fee collection time for 60 days from the date of issuing cards, and some banks will delay it from the date of the first bill. Every bank has different rules. Please refer to the time given by your credit card branch.
2. Some supplementary cards have annual fees. Banks will also charge annual fees for some additional cards according to the different issuing banks. 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, please don't forget to spend or pay the annual fee, otherwise there will be credit stains.
How to avoid the annual fee for CITIC Platinum Credit Card?
How to waive the annual fee of CITIC Credit Card?
1. Unlike other banks, CITIC Bank does not open credit cards and does not charge annual fees;
2. If you swipe your card or withdraw cash once within 30 days of card approval, you can enjoy exemption from the annual fee for the first year;
3. Spend five times in the first year, and the annual fee is free in the second year;
4. After the number of credit card uses in the following year reaches the standard of annual fee exemption, the annual fee of credit card in the following year will be exempted, and so on.
However, CITIC Bank has a rigid credit card that charges an annual fee, so it is best to know clearly when handling the card. Secondly, in the eyes of many people, you can avoid the annual fee if you swipe your card a certain number of times or spend a certain amount; The reality is that different banks have different ways to avoid annual fees.
Credit card free annual fee skills:
1. Considering that the number of credit card swipes and the credit limit of each bank are different, it is best to set an annual reminder;
2. Many banks can use points to offset the annual fee;
3. When opening a card, the bank staff must determine the calculation period, calculation conditions and exemption conditions of the annual fee.
It's best to remind everyone that the annual fee is not deducted at the end of the year, but determined according to the activation date of the card, but there are also special cases like CITIC Bank that are delayed for 60 days. There are also many bank credit cards that charge an annual fee even if they are not activated. For example, the cost of work is an annual fee in disguise; The bank won't give you money for nothing.
CHINACITICBANK, formerly known as CITIC Industrial Bank, was founded in 1987 and renamed at the end of 2005. CITIC Bank is one of the national commercial banks in China, with its headquarters in Beijing.
The major shareholder is China CITIC Company Limited. Bancobilbaovizcaya Argentaria (S. Abbva) spent 5.065438 billion euros (about 5.02 billion Hong Kong dollars) to buy a 5% stake in CITIC Bank, or it may choose to increase its shareholding in CITIC Bank to 10.07%. On April 27th, 2007, CITIC Bank was listed on the Shanghai Stock Exchange. CITIC Bank is the seventh largest bank in Chinese mainland, with total assets exceeding HK$ 65,438+0,200 billion, employees exceeding 65,438+0,600 and more than 540 branches. It is one of the six banks and three guarantees for Chinese financial stocks in Hong Kong.
On May 9, 2020, the Consumer Protection Bureau of the China Banking Regulatory Commission reported that in March, 2020, CITIC Bank provided personal bank account transaction details to a third party without the authorization of the customer himself, which violated the principle of confidentiality for depositors. Our bureau will start the investigation procedure in accordance with relevant laws and regulations and investigate and deal with it strictly according to law.
How to avoid annual fee for CITIC Credit Card?
CITIC Credit Card can be exempted from annual fee in the following ways:
1. Citic Gold and Puka Credit Cards can be exempted from the annual fee for the first year if they swipe their cards once or withdraw their cash once within 30 days after issuance, and the annual fee for the next year if they swipe their cards for five times in the first year (the amount of swiping cards and withdrawing cash is not limited);
2. The annual fee exemption rules of CITIC Platinum Credit Card and above are not completely consistent. Take I Platinum Card as an example. I Platinum Card is free of annual fee in the first year and 12 credit card is free of annual fee in the second year.
1 Unlike other banks, CITIC Bank will not charge an annual fee if its credit card is not opened.
2. If you swipe your card or withdraw cash once within 30 days of card approval, you can enjoy exemption from the annual fee for the first year;
3 spend 5 times in the first year, and the annual fee is free in the second year; After the number of credit card uses in the next year reaches the standard of annual fee exemption, the annual credit card fee in the next year will be exempted, and so on. However, CITIC Bank has a rigid credit card that charges an annual fee, so it is best to know clearly when handling the card. Secondly, in the eyes of many people, you can avoid the annual fee if you swipe your card a certain number of times or spend a certain amount; The reality is that different banks have different ways of exempting annual fees ~
Credit card annual fee-free skills
1 Considering that the number of credit card swipes and the credit limit of each bank are different, it is best to set an annual reminder;
Many banks can use points to offset the annual fee;
When opening a card, the bank staff must determine the calculation period, calculation conditions and reduction conditions of the annual fee. It's best to remind everyone that the annual fee is not deducted at the end of the year, but determined according to the activation date of the card, but there are also special cases like CITIC Bank that are delayed for 60 days. There are also many bank credit cards that charge an annual fee even if they are not activated. For example, the cost of work is an annual fee in disguise; The bank won't give you money for nothing.
CITIC Bank's credit card annual fee standard: CITIC Credit Card ordinary card: the annual fee of the main card is 65,438+000 yuan, and the annual fee of the auxiliary card is 50 yuan; Gold card of CITIC Credit Card: the annual fee of the dual-currency card is 300 yuan, the single-currency card is 200 yuan, the dual-currency card is 150 yuan, and the single-currency card is 100 yuan;
CITIC Platinum Credit Card: the annual fee of the distinguished card is 2000 yuan, the annual fee of the distinguished card supplementary card 1 000 yuan, the annual fee of the elite card main card 480 yuan and the annual fee of the elite card supplementary card 240 yuan.
What are the conditions for reducing the annual fee of CITIC Bank's credit card?
I. Credit cards, general cards and gold cards of CITIC Bank can be consumed 1 time within 30 days after approval (including credit card swiping, cash withdrawal and online consumption) (that is, the annual card fee can be reduced or exempted; If you spend five times in the first year, you can reduce the annual fee in the second year, five times in the third year, and so on. (I Platinum card is exempt from the annual fee in the first year, and the annual fee in the next year is exempt from swiping the card 12 times in the first year, and so on).
Second, there will be no annual fee if you don't open the card. In addition, the annual fee for the first year can be reduced by swiping the card once within 30 days from the date of card approval, and the annual fee for the second year can be reduced by swiping the card five times in the first year, including one time spent in the first year. In the future, as long as you swipe your card five times a year, you can waive the annual fee for the second year.
3. Annual fee of ordinary credit card of CITIC Bank: main card 100 yuan/year; Supplementary card 50 yuan/year
Annual fee for the credit card gold card of CITIC Bank: 300 yuan/year for the main card of dual-currency card and 150 yuan/year for the supplementary card; RMB main card 200 yuan, supplementary card 100 yuan/year.
Annual fee for Platinum Card of China CITIC Bank: 2,000 yuan/year for the main card and 0/1,000 yuan/year for the supplementary card.
Annual fee for Platinum Card of China CITIC Bank Elite Edition: 480 yuan as the main card and 240 yuan as the auxiliary card.
Annual fee of American Express Credit Card of CITIC Bank: main card 180 yuan/year, supplementary card 100 yuan/year; Gold card 380 yuan/year, supplementary card 200 yuan/year.
Annual fee of CITIC Bank MasterCard Corporate Card: the main card is 300 yuan/year.
Annual credit card fee of China CITIC Bank: main card 200 yuan/year.
Annual fee of CITIC VisaSignature Credit Card: 2,000 yuan/year for the main card and 0/1,000 yuan/year for the supplementary card.
Annual fee for I Platinum Card of CITIC Bank: 480 yuan/year.
The annual fee of CITIC Bank Golf Platinum Card, UnionPay Zunshang Platinum Card and Magic UnionPay Zunshang Platinum Card is 3,600 yuan/year for the main card and 2,000 yuan/year for the auxiliary card.
Annual fee for official card of China CITIC Bank UnionPay: 2,000 yuan/year for main card.
Annual fee of CITIC Bank Private Bank Shahe Golf Platinum Credit Card: 6800 yuan/year for the main card and 3800 yuan/year for the auxiliary card.
Annual fee of Platinum Credit Card of CITIC Bank Private Bank: 6,800 yuan/year for the main card and 3,800 yuan/year for the auxiliary card.
Annual fee for platinum card of the joint-name card of China CITIC Bank IHG Club: 3600 yuan/year.
Annual fee for Lexiang Card of CITIC Bank: 480 yuan as the main card and 240 yuan as the auxiliary card/year.
Annual fee for titanium card of China CITIC Bank: 680 yuan as the main card and 340 yuan as the auxiliary card/year.
Annual fee for Air China Platinum Card of China CITIC Bank: 3,600 yuan for the main card and 1.800 yuan/year for the supplementary card.
Annual fee of CITIC Bank World Card: 20,000 yuan/year.
Annual fee for unlimited card of China CITIC Bank: RMB 20,000/year for the main card and RMB-0/0000/year for the supplementary card.
Annual fee of China CITIC Bank UnionPay Diamond Card: 20,000 yuan/year for the main card and 0/0000 yuan/year for the sub-card.
How many times a year does CITIC Bank spend its credit card free of annual fee?
The annual fee for the first year can be waived if you swipe your card or withdraw money 1 time within 30 days of card approval, and the annual fee for the next year can be waived if you swipe your card or withdraw money five times within one year.
There is no charge if the credit card is not activated (except CITIC Unlimited Credit Card, Air China World Credit Card, Platinum Credit Card, Magic Titanium Card and Annual Fee Package Card). Within 30 days after the issuance of the gold card, the first-year annual fee is exempted for spending or withdrawing cash 1 time (regardless of the amount), the next-year annual fee is exempted for spending or withdrawing cash 5 times (unlimited amount) in the first year, and the third-year annual fee is exempted for spending or withdrawing cash 5 times (unlimited amount) in the second year.
Extended data
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.