Bank cards need to pay an annual fee, and each bank's bank card annual fee is different. Most banks do not charge an annual fee for their first savings card. If necessary, you can apply for free annual fee at the counter.

In addition, some banks will charge management fees, although they will not charge annual fees.

In other cases, if you hold more than one bank card in a bank, you can't apply for exemption from the annual fee except for one bank card you specify.

Under normal circumstances, bank cards are divided into credit cards and debit cards according to whether credit lines are granted to cardholders. In addition, bank cards can be divided into magnetic stripe cards and chip cards according to different information carriers; According to whether the issuer is in China, it is divided into domestic cards and overseas cards; It is divided into personal cards and unit cards according to different issuers; According to the different currencies of accounts, they are divided into RMB cards, foreign currency cards and dual currency cards.

Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. A special card is a debit card used for a specific purpose in a specific area, which has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.

Debit card can be used for online or POS consumption or ATM transfer and withdrawal, and cannot be overdrawn. Interest is paid on the amount in the card according to the current deposit. When spending or withdrawing money, the funds are directly withdrawn from the savings account. Debit cards usually require a password when used. Debit cards can be divided into ordinary cards, gold cards and platinum cards according to their grades; According to the scope of use, it can be divided into domestic cards and international cards.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder deposits a certain amount of reserve fund according to the requirements of the bank, and when the reserve fund is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.

Credit card, often called credit card, refers to the credit card that the issuing bank gives the cardholder a certain credit limit, within which the cardholder can spend first and then repay. It has the following characteristics: consumption first, repayment later, interest-free repayment period, minimum repayment amount, and repayment by installments when customers overdraw. Customers need to pay a certain annual fee to the bank they apply for, and each bank is different.

Quasi-credit card is a single-currency single-account credit card, with interest-bearing deposits in RMB, which is used for credit card consumption, and has the functions of transfer settlement, cash deposit and withdrawal, credit consumption, online banking transactions and so on. When the balance of credit card consumption and cash withdrawal account is insufficient to pay, the cardholder can overdraw consumption and cash withdrawal within the specified limited credit limit and charge a certain interest. There is no interest-free repayment period.

Do I have to pay an annual fee for bank cards?

Bank cards need to pay an annual fee.

1. The annual fee charged by each bank's bank card is different. Most banks do not charge an annual fee for their first savings card. If necessary, you can apply for exemption from annual fee at the counter. In addition, although some banks will not charge annual fees, they will charge management fees. It is recommended to know about the card before handling it to avoid trouble and unnecessary trouble. In other cases, if you hold more than one bank card in one bank, in addition to the one you specify, other bank cards also need to charge an annual fee. If you can't apply for annual fee exemption, the bank won't agree. Also, for VIP accounts and credit card accounts, banks must charge an annual fee, and there is no privilege.

Also, not all bank cards need to pay an annual fee. From August 20 17 1 day, the annual management fee for bank cards will be cancelled and some basic financial service fees of commercial banks will be suspended. At present, most banks do not charge small account management fees. This kind of supervision is different from that of big banks. Bank cards, including savings cards and credit cards, mostly charge a certain annual fee. When collecting the annual fee, the specified amount will be deducted from the corresponding account. This behavior is also called annual fee. Usually, the annual fee of bank credit cards will be higher, and different types of credit cards also have different regulations. The annual fee for ordinary bank cards is ten yuan per year. Some people pay others. The bank card in the provident fund account is free of annual fee.

In addition, many joint-stock banks do not charge any annual fees. The annual fee for credit cards is different, mostly several hundred yuan, but there are also discounts. As long as you swipe your card more than 6 times a year, there is basically no annual fee, but the annual fee for senior credit cards may not be reduced. If this is your first bank card. You can go to the bank to apply for free and use this card. In other words, there is no annual fee for using this card. Because when handling a bank card, the account balance cannot be 0. So when you apply for a bank card, you should at least deposit 5 yuan money on it. Just bring your ID card when you go through the formalities.

The general annual fee for bank debit cards is about 10 yuan per year. In addition, if the account balance in the customer's card is less than 300 yuan, the bank will automatically deduct the 3 yuan management fee every quarter.

Is there an annual fee for bank cards?

First of all, no matter what bank's debit card is charged an annual fee.

1, annual debit card fee of China Industrial and Commercial Bank 10 yuan.

2. China Bank Debit Card Annual Fee 10 yuan.

3. Annual fee of China Construction Bank 10 yuan, U shield 18 yuan.

4. Annual fee of Bank of Communications 10 yuan.

5. Annual fee of China Agricultural Bank 10 yuan.

Debit card refers to a bank card that deposits first and then consumes, and has no overdraft function. According to their different functions, it can be divided into debit card, special card and stored value card. Debit card is a credit tool with the functions of transfer settlement, cash deposit and withdrawal, shopping and consumption. It also has many functions such as transfer, fund trading, stock trading and payment, and also provides many value-added services.

Debit cards can also be withdrawn by ATM transfer and cannot be overdrawn. The amount in the account pays interest according to the current deposit. The international debit card has the same appearance as the credit card, and the logo of the international payment card institution is printed on the lower right corner. It is very popular in all the sales points that accept credit cards. The only difference is that when using a debit card, the amount will be automatically deducted from the bank account instead of being included in the credit line.

Debit cards can be used with passwords and signatures.

In recent years, the problem of new crimes in telecommunication network has become increasingly prominent. In order to implement the the State Council decision, fully cooperate with the public security organs to do a good job in cracking down on new illegal crimes in telecommunications networks and protecting people's property safety, the China Banking Regulatory Commission recently released.

First, strict real-name management. Banking financial institutions are required to make full use of online verification of identity cards and other technical means, carefully examine the identity documents of managers, and resolutely put an end to problems such as illegal card opening, random card opening and batch card opening.

The second is to strictly limit the number of cards opened. In principle, the same commercial bank may not open more than four debit cards for the same customer. For customers who have handled more than 4 debit cards, banking financial institutions should take the initiative to contact the card-issuing customers for verification. After verification, if it is found that it is not handled by me, the service will be suspended and properly handled. [6]

The third is to comprehensively improve the security management level of bank cards. Banking financial institutions are required to comprehensively sort out and improve their business processes, improve the level of internal control, effectively strengthen the safety management of bank cards, constantly strengthen industry self-discipline and strictly implement social responsibilities.

In addition, Circular 48 also puts forward comprehensive requirements for the supervision and management of bank card business from the aspects of establishing contact mechanism, strengthening publicity and education, establishing and improving the system of assessment, reward and punishment and accountability.

reference data

Debit card? Baidu baike