The annual fee of CCB Longka Credit Card is deducted directly from the credit card. If the customer doesn't pay the annual fee, the credit card will expire, leaving a bad record. First of all, the customer will receive a phone call from the bank asking for payment of the arrears. If the customer fails to repay the loan, the bank will upload the customer's bad credit record to the blacklist of the central bank's credit information system, and then the customer will be refused to apply for a mortgage at the bank.

Extended data:

Articles of Association of Credit Card of China Construction Bank-Rights and Obligations of China Construction Bank-Article 35

If the cardholder fails to repay the loan as agreed in the contract, or commits malicious acts such as violation of law, breach of contract, fraud, etc., or the credit status deteriorates, and there is capital risk in other accounts, the bank has the right to choose one or more of the following measures: collecting the arrears by letter, SMS, e-mail, telephone, door-to-door and announcement. ;

Stop using the card; Stop all cardholders from using Dragon Card; Require the guarantor to assume the guarantee responsibility; Dispose of collateral, pledge or deposit; Deduct it from the account opened by the cardholder and his guarantor/co-payer in the bank as agreed, and have the right to ask the judicial organ to investigate the legal responsibility of the cardholder or take other corresponding recourse measures when necessary;

Transferring credit card claims to a third party within the scope permitted by applicable laws; Take other risk control measures.

People's Daily Online-Most consumers encounter the annual fee trap of credit cards, and inexplicably bear the credit stain.

China Construction Bank-Credit Card Charter-Rights and Obligations of Banks