According to different products, the annual fee collection standard is slightly different. If it is a CCB credit card, the general card can be exempted from the annual fee according to the number of swipes, except for special cards. The annual fee of the UnionPay version of Longka Family Credit Card is 580 yuan/card/year, and the annual fee of the supplementary card is 300 yuan/card/year. There is no annual fee-free discount for swiping cards. Whether the card is activated or not, China Construction Bank has the right to charge an annual fee.
Most credit cards do not charge an annual fee if they are not activated, and a few special cards will also charge an annual fee if they are not activated. The bank that handles the card will give a special reminder when handling it. At the same time, the annual fee policy of credit card is divided into the following categories: First, the annual fee is exempted during the validity period; The second is to exempt the annual fee through a certain number of transactions; Third, the annual fee, also called the rigid annual fee, is unavoidable. The annual fee policy of each bank is different. I suggest you look at the introduction of the bank website or call the bank customer service hotline for consultation.
If the landlord asks about the annual fee, it is necessary to look at the general card according to the actual card type of the landlord. The annual fee of the main card is 80 yuan, and the supplementary card is 40 yuan. Gold card main card: 160 yuan, auxiliary card 80 yuan; Both of them are free of annual fees by swiping their cards or withdrawing cash three times a year. Annual fee of standard platinum card: 580 yuan as the main card and 300 yuan as the auxiliary card. Credit card spending 10 cash is free of annual fee every year. There are also some special cards, such as car cards and 200 yuan annual fee, which will be collected as long as the card is opened, and no matter how many strokes are swiped. However, this card service is also good, which can offer preferential car washing, oil change with points and free road rescue. The recently launched football World Cup credit card and Olympic Dragon Card are free of annual fees within the validity period (14 12 3 1 apply before).
Credit cards include annual fee, credit card interest, installment fee, loss reporting and replacement fee, etc. Among them, only the credit card interest is the same for all banks, which is calculated according to the daily interest rate of 0.05%, while the annual fee, installment fee, loss reporting and replacement fee are different for different banks.
The annual fee of credit card is related to the credit card level, among which the annual fee of general card is the lowest, the annual fee of gold card is higher than that of general card, and the annual fee of platinum card is higher. The installment fee of a credit card is related to the number of installments. The more staging times, the higher the cost.
How much is the credit card charge?
The card fee of credit card also includes withdrawal fee, which is simply withdrawal fee, mainly including service fee and loan interest. At the service fee level, the cash withdrawal amount of 1%-2% is deducted, while at the loan interest rate level, the loans overdue fee is calculated at the daily interest rate of 0.05%: if the credit card customer fails to repay on time within the repayment period, It is likely to cost loans overdue. Generally speaking, loans overdue fees are deducted at the daily interest rate of 0.05%. However, the method of "monthly rolling interest calculation" is adopted. In addition to the above fees, credit cards are likely to deduct business card printing fees. Credit card fees are so much.
1. The credit card has two main functions: one is to swipe the card and the other is to withdraw cash. The cost is different under different circumstances. If the cardholder spends 10000 yuan directly by swiping the card, the cardholder does not need to pay the handling fee. Users can enjoy an interest-free repayment period as long as they repay on time within the specified repayment period, and cardholders do not need to pay any interest and handling fees.
2. If the cardholder can't repay in full within the specified time, in order to avoid installment, the user can choose to handle installment or minimum repayment amount. Repayment in installments requires handling fees, which are different in different periods. If the user chooses to repay the minimum repayment amount, the interest fee will be paid. The interest is calculated at 0.05% per day, and the credit card can be repaid at most every month, and the low repayment interest is compounded monthly until the cardholder pays off all debts. Minimum repayment amount of credit card = consumption amount within the credit line × 10% cash overdraft transaction amount × 100% unpaid part of the minimum repayment amount in the previous period × 100% consumption amount exceeding the credit line × 100% all expenses and interest × 100%.
3. If the cardholder uses a credit card to withdraw cash, a handling fee will be charged according to a certain proportion of the cash withdrawal amount. Different banks have different cash withdrawal fees. For example, China Everbright Bank, Agricultural Bank and Bank of Communications charge a 2.5% withdrawal fee. Usually, the withdrawal fee is 1%-3% of the withdrawal amount, that is, the withdrawal fee of 10000 yuan is about 100-300 yuan. In addition to the handling fee, you need to charge 5/ 10000 interest every day for withdrawal.
4. Although the cardholder does not need to pay the service fee when using the credit card within the stipulated repayment date, the bank will charge the merchant the service fee. Different types of merchants charge different credit card collection service fees. If a cardholder uses a credit card to spend money in an ordinary merchant, the usual charging standard is 0.6%, that is, the cardholder uses a credit card to spend 10000 yuan, and the bank will charge the merchant a handling fee from 60 yuan. Consult the bank for specific suggestions.
How much is the credit card service charge?
1. Credit card service fee refers to various expenses incurred during the use of credit cards, including installment fee, cash withdrawal fee and interest, annual fee, liquidated damages, overdue interest, non-overdraft transaction fee, etc.
2. As we all know, credit card holders enjoy a certain interest-free overdraft period, but if credit card transactions fall within the scope of non-interest-free overdraft, they need to bear certain expenses. Therefore, if you don't want to bear all kinds of credit card service fees, you must repay in full and on time, with less cash withdrawal and less installments.
3. Other merchants charge credit card service fees after opening the credit card payment function. For example, after the credit card payment function is enabled, Taobao sellers have to pay 1% service fee to the required bank every time they accept credit card payment. If the seller turns off the credit card payment function, then the user cannot use the credit card to pay.