Credit card annual fee rules refer to some corresponding provisions of credit card annual fee. Before the cardholder activates the credit card, the bank shall not charge an annual fee. But most people know little about the annual fee rules of credit cards in different banks. The annual fee of credit card is mostly around 100 yuan, and some banks stipulate that the annual fee can be waived by swiping it three times a year.
Disguised annual fee
Cardholders should pay attention when looking for free lunch. Although some bank credit cards claim to be free of annual fees for life, they still need to pay a certain "occupation fee" to enjoy the annual fee exemption. For example, the WOW card of Shanghai Pudong Development Bank needs to pay 260 yuan's "occupation fee" to avoid the annual fee.
The ANA card of China Merchants Bank [18.04 4.64%] stipulates that the annual fee is free for life, but the bank will charge the membership fee on behalf of ANA, with the main card 650 yuan/year and the supplementary card 325 yuan/year.
The annual fee policy of most banks has not changed. Generally, the annual fee for standard credit cards is around 100 yuan, while the annual fee for gold cards is generally in 200 yuan or 300 yuan. The annual fee of a single-currency card is lower than that of a dual-currency card. Generally, the annual fee of the supplementary card is halved corresponding to the annual fee of the main card.
However, the annual fee standard of credit cards of different banks will be different according to different cards. For example, the annual fee of the standard credit card of Shanghai Pudong Development Bank is the main card 180 yuan and the auxiliary card 90 yuan; Gold card annual fee 360 yuan, main card, auxiliary card 180 yuan; Annual fee for Pudong Development Co-branded Card 360 yuan; As for PUFA McDull series credit cards, the signboard of "Free Annual Fee for Life" has been put up. Therefore, even for credit cards issued by the same credit card center, the annual fee standard will be very different. Cardholders should first ask how high this "potential cost" is when handling cards.
Actually, for most cardholders, the annual fee is not a problem. The key is whether the annual fee-free index is easy to achieve. From the survey, we found that most credit card centers did not adjust the original annual fee-free standard, only a few increased it.
/kloc-from August 0/3, most credit cards can be exempted from the annual fee for the first year, and the annual fee can be reduced or exempted when swiping the card for a certain number of times or a certain amount. The relatively low standards are the standard cards of China Construction Bank and China Everbright Bank. Cardholders can waive the annual fee for the following year as long as they swipe their cards three times a year. Among them, the cumulative number of swipes can be combined between the main card and the auxiliary card of Everbright Credit Card, that is, the main card and the auxiliary card swipe their cards for three times, which can be exempted from the annual fee.
The annual fee-free policy of Bank of Communications is the annual fee-free policy in the first year, and the annual fee-free policy in the next year if you swipe your card six times in one year (unlimited amount). The swipe times of the main card and the auxiliary card can be calculated together. However, the credit card center may introduce a new annual fee standard, which will be published on the website of the credit card center and inform cardholders accordingly. If the annual fee-free policy changes, cardholders should not forget to adjust their credit card strategy.
The annual fee-free policy of Shanghai Pudong Development Bank is quite special. Cardholders of standard Capka, gold card and some platinum cards (accelerated points and simple platinum) will be exempted from the annual fee for the following year by swiping their cards six times. Standard platinum cards and co-branded cards need to earn 30,000 points to avoid the annual fee for the following year. (Consumption 1 meta-product 1 points)