How to check the annual fee of CITIC Credit Card How to check the annual fee of CITIC Credit Card

CITIC Bank, known as the "Iron Rooster" by card friends, issues credit cards with annual fees, but most cards only require If you meet the conditions for swiping the card, annual fee reduction is not a problem. In order for you not to be burdened by the annual fee, today I will introduce to you how to check the annual fee of CITIC Credit Card and learn how to check the annual fee.

Knowledge related to the annual fee of CITIC Credit Card

The annual fee charging standard of CITIC Credit Card is based on the card level. The higher the level, the higher the annual fee. However, most credit card products can pass The number of card swipes or points can be used to deduct the annual fee.

Therefore, these cardholders must know when the annual fee of CITIC Credit Card will be deducted and grasp the timing.

The annual fee of CITIC Credit Card is calculated in one year from the card opening date, and the annual fee deduction time is 60 days after the card opening date. Note that cardholders must meet the conditions for swiping the card to reduce the annual fee within the annual fee cycle, otherwise an annual fee will be incurred instead of meeting the annual fee deduction date.

How to check the annual fee of CITIC Credit Card

There are many ways to check the annual fee of CITIC Credit Card. The most direct method is to call CITIC Credit Card customer service hotline 400-889-5558 and ask customer service.

In addition, you can also go directly to the bank branch counter to inquire, but this is more troublesome.

When is the annual fee for credit cards charged? What is the annual fee collection schedule for major banks?

Every credit card issued by the bank has an annual fee charging standard, except for some special cards that are free of annual fees for life. outside. Although general ordinary cards and gold cards have annual fee-free discounts, it is also necessary to find out when the credit card annual fee will be charged. If the credit card incurs an annual fee and the cardholder does not know it, it will cause the credit card to be overdue. It's irreversible. Let’s take a look at the timing of annual fee collection by major banks.

Industrial and Commercial Bank of China, Bank of Communications, China Guangfa Bank, Ping An Bank, China Minsheng Bank, China Everbright Bank, Bank of China

In the past few days, banks deduct annual fees on the card opening day each year. , assuming that if the ICBC credit card is opened on January 1, then the annual fee will be collected on January 1 of each year. If you do not meet the conditions for annual fee exemption, the annual fee will be charged on this day.

China Construction Bank

The annual fee for CCB’s credit card is charged on the first billing date of the card issuance. Assuming that the credit card was issued in February 2009, the billing date is the 22nd of each month. If the card is not If the bank's annual fee reduction and exemption requirements are met, the annual fee for the following year cannot be reduced, and the annual fees from February 2010 to February 2011 will be recorded and collected on February 22, 2010.

China Merchants Bank

Based on the card issuance date. For example, if the card issuance date is November 1st, then one year will be from November 1st to October 31st of the following year, and the annual fee will begin to be charged.

CITIC Bank

The annual fee collection time for CITIC Credit Card is different, and the card opening date will be postponed for 60 days as the annual fee collection time.

Summary: As can be seen from the above, when the annual credit card fee is charged is related to the time when the card is approved or opened, not the natural year. Therefore, dear card friends, if your credit card does not meet the annual fee exemption standard, or the annual fee cannot be reduced, then you must remember the corresponding annual fee collection time of the card.

Introduction to the annual fee cycle and deduction time of major bank credit cards

The annual fee cycle of bank credit cards is mostly calculated based on the card opening time or card approval time, and is not fixed. Therefore, Cardholders need to keep this critical point in mind. Let me introduce to you the annual fee cycles and deduction times of major banks’ credit cards. If you don’t want your credit report to be affected by overdue annual fees, you must read it.

Industrial and Commercial Bank of China, Bank of China, Bank of Communications, China Guangfa Bank, Ping An Bank, Minsheng Bank, China Everbright Bank:

The number of card swipes will be calculated starting from the card opening date and will be calculated on the card opening date in the following year. Annual fee is charged daily. For example, the opening date of the ICBC credit card in 2018 is January 1, 2018, then the period from January 1, 2018 to December 31, 2018 is an annual fee cycle, and the annual fee for that year will be on January 1, 2019. Daily deduction.

The annual fee cycle of CITIC Credit Card is based on the card opening date, and the annual fee deduction time is delayed by 60 days from the card opening date.

China Construction Bank:

The annual fee cycle of CCB’s credit card is based on the time of card issuance. If the card does not meet the bank’s annual fee reduction requirements, the first bill in the year of card use will be It will be credited to the account on the same day and repaid on the repayment day. If the credit card bill date is the 22nd of each month, the annual fee from February 2017 to February 2018 will be deducted and credited on February 22, 2017, and repaid on the due date.

China Merchants Bank:

The annual fee cycle is calculated based on the card issuance date. For example, the card issuance date is November 1st, then the period from November 1st to October 31st of the following year is An annual fee cycle begins, and annual fees begin to be charged.

Is there an annual fee for CITIC Bank credit cards?

CITIC Bank credit cards all have annual fees, but we can reduce them in certain ways. As for the annual fee exemption policy, CITIC Bank credit cards have With an ordinary credit card, if you swipe or withdraw cash once within 30 days of card approval, you can enjoy the first-year annual fee waived. If you swipe or withdraw cash a total of 5 times within a year, you will be exempted from the annual fee for the next year. If the credit card is not activated, no fees will be charged. .

However, except for CITIC Unlimited Credit Card, Air China World Credit Card, Platinum Credit Card, Magic Titanium Card, and annual fee products, these cards do not enjoy the annual fee preferential policy and will also be charged an annual fee when not activated. .

CITIC Bank credit card annual fee: Many people think that the annual fee is generally deducted at the end of the year. In fact, this is not the case. The credit card annual fee cycle is not a natural year, but the annual fee collection time is calculated based on the card opening date. . It is understood that the annual fee deduction time of each bank is very different. CITIC Bank postpones the card opening date by 60 days as the annual fee collection time.

CITIC Bank Credit Card has always been aimed at serving the public, and has applied credit cards to better serve the public. Many people who have used credit cards know that credit cards are very convenient and can be used not only in large shopping malls and supermarkets in China. , and can even be used in some foreign consumption places. Credit cards greatly facilitate the general public and allow banks to gain more profits from them.

CITIC Bank credit card is one of them, but when using CITIC Bank credit card, you need to pay attention to several issues.

The first thing is to develop good consumption habits and avoid brushing off all the credit limit without restraint. The use of credit cards is because on some occasions, when the cash and bank cards on you cannot be used for normal payment, you can use the credit card. Be able to use credit cards. CITIC Bank credit cards have a certain limit. Generally, high-quality customers will have a higher limit.

Another thing to note is that when using a CITIC Bank credit card, you must repay on time. Repaying on time is a sign of a person's responsibility. If the cardholder cannot guarantee timely repayment, it is best to Don't use credit cards.

The CITIC Platinum Card will charge an annual fee after the regular card is upgraded to a Platinum Card, and it cannot be offset with points, and it will be deducted after the user confirms the upgrade, regardless of whether you open the card (Platinum Card). CITIC Bank Credit Card Center is a business department established by CITIC Bank Head Office in Shenzhen to conduct centralized operations, independent accounting, corporatization and professional management of credit card business.

CITIC Bank provides a number of financial services and can provide loans to all walks of life. Personal credit loans account for a large proportion of CITIC Bank’s loan business. In many cases, personal credit loans can be applied for installment payment , if the cardholder’s current bill amount reaches more than 800 yuan, he or she can apply for interest-free installment payment.

However, the bank’s re-installment requirements cannot be used for purchases that have been made in shopping malls and have been made after a single installment.

It should also be noted that holders of CITIC Bank credit cards can apply for interest-free installments within three working days from the current statement date to the repayment date.

How to charge the annual fee of CITIC car owner's credit card and the deduction time are here

Speaking of the annual fee of car owner's credit card, this is a special kind of credit card. Some banks have annual fee-free policies, and some It is a rigid charge and the annual fee cannot be reduced or reduced.

Some cardholders asked how the annual fee for CITIC car owners’ credit cards is charged and whether there is an annual fee exemption policy. Today, I will give you a detailed introduction to the charging standards of this card.

How to charge the annual fee for CITIC car owners’ credit cards?

CITIC Car Owners Credit Card has three card levels, namely Gold Card, Platinum Card (Elite Edition) and Platinum Card (Premium Edition). The charging standards are as follows:

1. Gold Card Card: The annual fee is 200 yuan/year;

2. Platinum Card (Elite Edition): The annual fee is 480 yuan/year;

3. Platinum Card (Premium Edition): The annual fee is 2,000 yuan/year.

What is the annual fee exemption policy for CITIC Car Owners Credit Card?

1. For Gold Card, the first year is waived for new customers (that is, customers who have never applied for a CITIC credit card or have canceled the card for more than 180 days) successfully apply (swipe the card to make a purchase or withdraw cash once in the month of opening the card), and the first year is waived. Annual fee;

2. The annual fee for Platinum Card (Elite Edition) and Platinum Card (Premium Edition) is rigidly charged, and there is no annual fee exemption policy.

When will the annual fee for CITIC car owners’ credit cards be deducted?

For non-new customers applying for a gold card and all customers applying for a platinum card, the annual fee is rigidly charged and cannot be reduced or reduced. This needs to be paid attention to by card applicants. Introduction,

, you can quickly and safely apply for the credit card.

That’s it for the introduction of when the annual fee of CITIC Credit Card will be deducted.