According to the regulations of China Construction Bank, after deducting the annual fee, as long as the cardholder can make up the five expenses stipulated by the bank within two months, the deducted annual fee will generally be returned to the credit card account within one month after swiping the card.

If the credit card belongs to the card with preferential annual fee, and the annual fee is deducted because the number of card purchases and withdrawals in the card-holding year does not meet the conditions of annual fee exemption, the card can be reissued within three months after the annual fee is generated, that is, within a certain number of times, and CCB will actively adjust the annual fee within 1 month after the card is reissued.