1. The cardholder has not swiped the card enough times. If the cardholder is idle for a long time after activating the credit card, the bank will think that you have no need to use the card at all and will reduce your credit card limit. According to the regulations of Ping An Bank, the annual fee for Puka and Jinka cards is directly exempted in the first year, but from the second year, it is necessary to brush the annual fee for six times in one year.

2. The cardholder has a platinum card, and the annual fee is rigid. The annual fee cannot be exempted because the specified amount is not enough. However, the annual fee of Platinum Credit Card of Ping An Bank cannot be reduced or exempted in the first year. Only when the consumption in that year reaches 6,543.8+0.5 million yuan can the annual fee of the next year's card be exempted, and only when the consumption in that year reaches 300,000 yuan can the annual fee of the next year's card be exempted (the supplementary card rules are the same as the main card).