Credit cards do not charge interest or any fees other than annual fees. If you do not open the card after receiving it, and do not swipe the card more than three times after opening, the bank will charge you an annual fee of 160 yuan for the gold card and 80 yuan for the regular card after one year.

Because bank bills are repaid on a monthly basis, if the repayment is not made on time, then every month before the annual fee is paid off, CCB will report the repayment as unpaid, and it will also be reported to the People's Bank of China. In the personal credit system, once the credit system cannot record it, it will affect the loan from any financial institution in the next two years.

If you don’t want to incur any fees, there is only one way, which is to call the 800 hotline and the manual desk will cancel the card for you. This is the only way to cancel the CCB credit card, and there will be no fees in the future.

Extended information:

The credit cards issued by China Construction Bank are all named "Dragon Card". At the same time, China Construction Bank, as the earliest state-owned bank in China to get involved in issuing credit cards, currently has There are many types of credit cards. The types of Dragon cards that have been publicly issued at present include: Dragon Card famous school card, Dragon Card business card, Dragon Card car card, China Eastern Airlines Dragon Card, Shanghai Volkswagen Dragon Card, Dragon Card Hong Kong Wonderful Travel Credit Card, CCB VISA Ming Card, eLong Changxing Dragon Card, Mango Travel Dragon Card, Dragon Card ( Masters Cup) tennis card.

Reference materials: China Construction Bank official website (add link)