1. How to check the number of credit card swipes: 1) SMS notification: Some banks are more kind and will send SMS notifications a month before the annual fee cycle to tell the cardholder how many more swipes are needed to reduce the fee. There is an annual fee, and then you just need to swipe as many times as the text message mentions, which is what China CITIC Bank does. 2) Telephone inquiry: Directly call the service hotline of the card issuing bank and be transferred to the manual customer service for help with the inquiry. It is usually necessary to inform the correct identity information. After verifying the identity, the customer service will inform the current number of credit card swipes during the annual fee week. Some more conscientious ones will also tell the cardholder how many more swipes are needed to achieve the annual fee exemption. 3) Bill inquiry: You can check the current credit card bill on the official credit card website or mobile banking. You can see the number of bills, the number of purchases per bill, etc. Combined with the annual fee exemption conditions of the credit card you hold, you can infer whether you have paid enough. frequency.
2. What should I do if my credit card is not used enough times? 1) Use points to redeem annual fees: There are relatively few banks that support this. Banks such as Agricultural Bank of China and Everbright can do this, but they require at least thousands of points. The redemption method may be different for each bank. It is best to call the service hotline of the card bank and call Answer the manual customer service consultation clearly. 2) Deduct the annual fee from the credit limit: If the credit card is not used within the annual fee cycle, the bank will deduct the annual fee from the credit card limit and include it in the next period's bill. You must repay on time if you don't want to be overdue.