Generally, credit cards require an annual fee. The annual fee collection rules are different depending on the level of the credit card. The so-called annual fee exemption for credit cards is a preferential policy launched by the bank for credit cards, that is, users who apply for a credit card can enjoy the annual fee exemption. After the credit card is successfully activated, there is no need to pay annual fees.

1. How to waive the credit card annual fee that has been incurred

The credit card annual fee has been incurred and can be waived, as long as the cardholder can waive the annual fee within one month after deducting the annual fee Once the number of payments is reached, the annual fee that has been deducted can be refunded; as for credit cards that charge rigid annual fees, generally if the annual fee is reduced or reduced, it can only be deducted through points.

2. What to do if the credit card is not used and the annual fee is deducted

Because the credit card is not used, the annual fee reduction conditions are not met, and the annual fee is incurred. After it is deducted by the bank, if The card-issuing bank stipulates that the annual fee can be refunded if the number or amount of card swipes is made up. The customer can make up the swipe within the time specified by the bank. As long as the number or amount required by the bank can be completed, the bank will refund the annual fee to the user. .

For example, the annual fee for a credit card held by a customer stipulates that the annual fee can be waived if the customer swipes the card 6 times within a year. After the bank deducts the annual fee, the annual fee can be refunded if the card swipe the card enough times within a month. , after the customer is charged the annual fee, as long as the credit card is used 6 times within a month after the annual fee is deducted, the bank will refund the deducted annual fee to the user.

If the card-issuing bank does not have this provision, then after the deducted annual fee is included in the bill, the customer must remember to repay it in time before the due repayment date (inclusive) to avoid overdue payment. In fact, customers can also use cards more often. For example, gold cards and ordinary cards can be exempted from annual fees by swiping a few times a year. The conditions for annual fee exemption are still very simple.

3. Can the annual fee of CITIC be waived if it has already been incurred?

If it is not a rigid annual fee, then the annual fee that has been incurred can be reduced or waived by applying for a recharge. If the annual fee of a credit card is a rigid annual fee, there is no way to reduce it. Users must pay the rigid annual fee on time. If the user fails to pay the annual fee, the credit card will be overdue. After the credit card is overdue, the overdue record will be reported to the credit report, which will have an adverse impact on the user's credit. When applying for a CITIC credit card, the card's annual fee charging standard will generally be detailed. If you don't want to pay the annual fee, you can try to apply for a gold card or a regular card.