how can I refund the annual credit card fee?

As we all know, the annual fee is a mandatory fee for credit cards. Although many ordinary and gold cards can reduce the annual fee by swiping their cards, the annual fee will be deducted by the bank if they fail to meet the standard. So, what should I do if I encounter this situation? Xiaobian wants to tell you that if the credit card is charged an annual fee if it is not swiped enough times, you only need to do three things well, and maybe the bank can return it to you!

how to refund the annual fee deducted from the credit card?

What I want to say here is that not all annual fees can be refunded, such as the rigid annual fee for platinum cards. There are also some annual fees for special cards, or the annual fees deducted by points. Generally, most of the annual fees that can be refunded can be reduced or exempted by the number of swipes. In line with this situation, do these three things immediately after discovering that the annual fees have been deducted:

1. Call the credit card customer service hotline of the issuing bank and explain the reasons to the customer service. If the bank does not agree, it can threaten to cancel the card without refunding the annual fee.

2. If the bank agrees, you have to pay off the annual fee first. After all, you still have to repay the deducted annual fee, otherwise it will be overdue;

3. swipe your card with a credit card to make up the number of swipes.

After doing these three things, you will be pleasantly surprised to find that the bank really refunded your annual fee to your credit card account. This method is not a small story. Some card friends have personally experienced it and it is indeed feasible.

Here's an example for everyone:

Card friends didn't swipe their credit cards in November, but they were deducted 8 yuan. Only then did they find that they didn't swipe enough annual fees this year, but they didn't want to waste the money, so they called the card issuing bank and said that they forgot to swipe their credit cards enough times, and wanted to know if they could waive the annual fees.

the customer service of the bank readily agreed, but he needs to pay back the deducted annual fee first, and then make up the number of swipes, which will be next month.

can I cancel the annual credit card fee?

the annual credit card fee can't be cancelled, but it can be reduced by swiping the card. For credit cards with annual fee reduction, it is generally the number of swipes or the number of swipes. Card, you can reduce the annual fee for the current year or the annual fee for the next year. Way. This is a must for users.

At present, the annual credit card fees of general banks have not been cancelled, and many of them are still charging as usual. However, most banks will cancel the annual fee policy after spending at least three times a year.

if you swipe your card enough times, you can waive the annual fee.

1. Cardholders generally believe that credit card agents are exempt from the annual fee in the first year and the annual fee in the second year after reaching a certain standard, but not all cards are. For example, ICBC's credit card is not exempt from the annual fee in the first year, but it needs to swipe the card five times or spend more than 5, yuan to be exempt from the annual fee in that year; According to the regulations of China CITIC Bank, the annual fee for the first year can be waived by swiping the card once in the first month after issuing the card.

2. In the rules of exempting the annual fee for the next year, some banks stipulate that it can be exempted by swiping the card for more than three times, such as CCB [6.23.85%] and China Everbright Bank; Some banks need to swipe their cards more often. For example, SDB credit card needs to be exempted from the annual fee for the following year for 18 times. Most banks, such as ICBC, Agricultural Bank of China, Bank of China, Bank of Communications, China Merchants Bank, etc., adopt the annual fee exemption rule for 5-6 times.

3. Yinrui Financial Planner pointed out that since the annual fee is not the main source of income for domestic credit card issuers, banks generally stipulate that the annual fee can be waived only by swiping the card a certain number of times, but there is no limit on the amount. However, it is not without banks to limit the amount of consumption. For example, Shanghai Pudong Development Bank stipulates that only those who spend more than 2, yuan can be exempted from paying the annual fee for the next year.

4. In addition, it is particularly noteworthy that the annual fee-free rules of banks are not immutable. The annual fee of credit card is delayed by 12 months according to the collection time of the first annual fee, that is, the collection time of the next annual fee. The annual fee-free rules of Bank of Communications credit cards generally send short messages to cardholders at the end of the year or the beginning of the following year. Cardholders should pay attention to whether there is any change in the annual fee exemption rule.

how to refund the annual credit card fee?

Generally, most of the annual credit card fees that can be refunded are annual fees that can be reduced or exempted by the number of swipes. Users who meet this situation, after discovering that the annual fee has been deducted, can call the credit card customer service hotline of the issuing bank to explain the reasons and needs to the customer service, and ask for a refund of the annual fee after making up the number of swipes. There are some special card annual fees or annual fees deducted by points that cannot be refunded, such as the rigid annual fee for platinum cards.

under normal circumstances, the annual fee deducted from the credit card can be refunded by contacting customer service. Apply to customer service through the credit card customer service hotline to make up the number of swipes and refund the annual fee. If the bank agrees, it must first pay off the annual fee. After all, the annual fee that has been billed must be repaid, otherwise it will be overdue; Then swipe your card with a credit card to make up for the number of swipes.

it should be noted that not all annual fees can be refunded, such as the rigid annual fees for platinum cards, and some annual fees for special cards, or those deducted by points. Generally, most of the annual fees that can be refunded can be reduced or exempted by the number of swipes, which is in line with this situation.

Most credit cards in banks have annual fees, and only a few credit cards offer the right of free annual fees for life. According to different banks and different types and grades of credit cards, the annual fee of credit card is different. For example, the annual fee of China Industrial and Commercial Bank of China is 5 yuan, and the annual fee of gold card is 1 yuan.

Many cardholders have a misunderstanding about the time of collecting the annual fee. They think that the annual fee charged by credit cards is the same as that charged by debit cards at a fixed time. That was not the case. The annual fee of most credit cards is one year from the date of card verification to the day of the following year.

for example, if the validity period of the front of the card is 6/15, it means that the card is valid until June 215, so the annual fee is usually charged on a certain day in June every year. However, some banks, such as China Construction Bank and China Guangfa Bank, have a period of one year from the cardholder's card opening date to the following day. In the former case, if the cardholder fails to open the card within the first year after applying for a credit card, the card will not be opened until the second year, and the annual fee will be charged directly. Therefore, cardholders must pay attention, and it is best to call the credit card customer service center of the issuing bank to ensure that there will be no mistakes.

how to refund the annual credit card fee

under normal circumstances, the annual credit card fee can be refunded by consulting customer service.

the credit card customer service hotline explains the reasons to the customer service and asks for a refund of the annual fee after making up the number of swipes. If the bank does not agree, it can threaten to cancel the card without refunding the annual fee. If the bank agrees, it must first pay off the annual fee. After all, the deducted annual fee must be repaid, otherwise it will be overdue;

swipe your card with a credit card to make up the number of swipes. Not all annual fees can be returned, such as the rigid annual fee for platinum cards, and some special annual fees or annual fees deducted by points. Generally, most of the annual fees that can be returned can be reduced or exempted by the number of swipes, which is in line with this situation.

Extended information:

The annual fee of credit card is deducted as follows:

The first thing that comes to mind is the annual fee of credit card. Generally, debit cards have no annual fees, while most credit cards have annual fees. Generally, the higher the credit card level, the higher the annual fee will be, basically platinum card > gold card > general card.

The annual credit card fee can be exempted, but most banks generally reduce the annual fee by reaching the number of consumption. I believe many card friends are unwilling to pay this fee, but sometimes they fail to calculate the annual fee cycle of credit cards because of negligence, and fail to meet the requirements of annual fee exemption.