According to some corresponding regulations on the annual fee of credit cards, banks are not allowed to charge annual fees before the cardholder is activated. However, most people know little about the various rules for different banks to handle annual credit card fees. The annual fee for credit cards is mostly around 100 yuan, and some banks stipulate that the annual fee can be waived by swiping the card three times a year.
The annual fee standard of credit card in different banks will be different according to different cards. For example, the annual fee of the standard credit card of Shanghai Pudong Development Bank is the main card 180 yuan and the auxiliary card 90 yuan; Gold card annual fee 360 yuan, main card, auxiliary card 180 yuan; Annual fee for Pudong Development Co-branded Card 360 yuan; As for PUFA McDull series credit cards, the signboard of "Free Annual Fee for Life" has been put up.
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Most credit cards meet the condition of "annual fee can be waived by swiping several times a year". However, for some high-end platinum credit cards, due to the special treatment enjoyed by cardholders, their high annual fees are sometimes not exempted, or more points are needed to be exempted. For example, China Merchants Bank Platinum Credit Card Classic Edition has an annual fee of 3,600 yuan, which can only be redeemed by 10000 points (or accumulated consumption of 80,000 yuan).
The annual fee of "China Merchants Bank American Express Centurion Black Gold Card" for China Merchants Bank and American Express is $2,500, which is non-deductible. Of course, considering that most people who can really enjoy the top service with unlimited cards are rich people, the annual fee is just a piece of cake.
In addition, due to the widespread phenomenon of "unable to open the card", ordinary consumers really need to pay attention to some special card types. Even if they are not activated, they still need to pay annual fees and production expenses. For example, the Standard Edition and Elite Edition of Cheyou Credit Card of Industrial Bank, once issued, will charge an annual fee of thousands of yuan if they are not activated.
Baidu Encyclopedia-Credit Card Annual Fee Rules
People's Network-Credit card "hidden rules": Some cards will be charged an annual fee if they are not activated.