1. China merchants bank credit card annual fee ordinary card 100 yuan/year, gold card 300 yuan/year. The annual fee is charged once a year. The annual fee is calculated from the issuing date of your card (the validity period under the credit card number, and the previous date is the issuing date), which is not a natural year. China Merchants Bank credit card or partner credit card will reduce the annual fee for the first year. If you spend 6 times on a single card within a whole year (from the date of spontaneous card issuance, which is not a natural year), you can reduce the annual fee for the following year. And this offer is valid for a long time before the change notice of the new annual fee preferential policy.

Two. In terms of consumption patterns, banks currently have two stages: shopping during consumption and bookkeeping after consumption:

1. installment shopping: through our special merchants, choose to purchase the specified goods or services in installments. For the specific charging standard of installment payment and the merchants that can handle it, you can log on to our credit card website/click "installment shopping" to inquire;

2. Bill installment (cardholders who only hold business cards or supplementary cards can't apply for it for the time being): If the merchant you shop is not a special merchant of our bank, you can apply for bill installment after consumption. Bill installment is a new financial management function launched by our credit card, which can help you repay the consumption amount in your bill in monthly installments. For details, please log on to the credit card website/click on "Credit Financing"-"Bill Staging" to inquire.

3. Borrowing cash in advance will generate corresponding handling fees and interest. Handling fee: The handling fee is calculated according to 65,438+0% of each cash advance in domestic RMB, with a minimum charge of 65,438+00 yuan for each cash advance abroad (including Hong Kong, Macao and Taiwan) and a minimum charge of 30 yuan or US$ 3 for each cash advance. Interest: advance cash transactions do not enjoy interest-free repayment. From the trading day, interest will be charged at the daily rate of 0.5 ‰ until the settlement date, and the interest will be compounded monthly.

4. We don't charge for credit card consumption.

If you have any other questions, please open www.cmbchina.com, the homepage of China Merchants Bank, and click "Online Customer Service" in the upper right corner to enter the consultation.