As we all know, the annual fee is a compulsory charge for credit cards. Although many ordinary cards and gold cards can reduce the annual fee by swiping the card, if the card fails to meet the standard, the annual fee will still be deducted by the bank. So, what should I do in this situation? What I want to tell you is that if you don't swipe your credit card enough times and charge an annual fee, you only need to do three things well, and maybe the bank can pay you back!
How to pay the annual fee deducted from the credit card?
What I want to say here is that not all annual fees can be refunded, such as the rigid annual fee for platinum cards. There are also some annual fees for special cards, or annual fees deducted from points. Most of the annual fees that can generally be refunded can be reduced or exempted through the number of swipes. In line with this situation, after discovering that the annual fee has been deducted, do these three things immediately:
1. Call the credit card customer service hotline of the issuing bank, explain the reasons to the customer service, and ask for a refund of the annual fee after completing the number of swipes. If the bank does not agree, it can threaten to return the card without refunding the annual fee.
If the bank agrees, you have to pay off the annual fee first. After all, the deducted annual fee should be paid back, otherwise it will be overdue;
3. Use a credit card to make up for the number of swipes.
After doing these three things, you will be surprised to find that the bank really refunded your annual fee to your credit card account. This method is not nonsense. Some card friends have experienced it personally, which is really feasible.
Let me give you an example:
Card friend Xiaoqi's credit card 1 1 was not swiped in1October, but was detained in 80 yuan. The annual fee exemption this year was not enough, but he was reluctant to spend the money, so he called the issuing bank and said that he forgot to swipe his credit card enough times. He wants to know whether he can waive the annual fee.
The bank customer service readily agreed, but he needs to pay back the deducted annual fee first, and then make up the number of swipes. The annual fee will be refunded in the next month's bill. Xiaoqi went to the supermarket to shop with a credit card three times. Indeed, in the bill of June 5438+February, the bank returned it to 80 yuan.
How to deduct the annual credit card fee of China Bank?
In the credit card year of China Bank, if the accumulated credit card spending of the account in that year meets the following conditions, the annual fee can be reduced or exempted, except for special card types:
1. Individual Jinpu cards are free of annual fees in the first year and 5 in the second year (8 for Ms. Ti cards); Supplementary card annual fee waiver policy is the same as the main card;
2.20 17 -20 18 new platinum card customers are exempted from the annual fee in the first year, and the annual fee for new and old customers in the next year needs to be reduced or exempted 12 transactions are over 20,000 yuan, or the annual fee can be exchanged for 65,438+million trading points; The annual fee exemption policy for supplementary cards is the same as that for main cards.
The above contents are for your reference. Please refer to the actual business regulations.
How about the credit card charges in China Bank?
China Bank Credit Card Transaction Objection Handling Method;
If you have any objection to the transaction after receiving the credit card statement from China Bank, you can call the customer service hotline of China Bank at 4006695566 for enquiry.
The above contents are for your reference. Please refer to the actual business regulations.
The credit card was deducted for no reason.
Credit cards generally don't deduct money for no reason. After all, it's all from the bank. If the customer's credit card is deducted by the issuing bank, and the customer does not know the cost, he can call the customer service staff of the issuing bank. It is possible to deduct the annual fee, and customers should pay attention to repayment on time afterwards.
If it's not an annual fee, let's see if it's deducted after some business. Or did the credit card fail to pay off the bill on time after the cash withdrawal, resulting in interest, and the bank automatically deducted money from the card because the credit card signed an automatic debit agreement.
The customer had better check whether the card has been stolen by others. If there is a credit card risk, you must quickly lock the account, contact the bank for handling, and check the recent transaction details to see which merchant swiped the card. And if the bank only deducts money repeatedly or wrongly, the bank will return the wrong money after the customer reflects the problem.
What is a credit card?
Creditcard (English: credit card), also known as credit card. It is a non-cash transaction payment method and a simple credit service.
Credit card is generally a special carrier plastic card with consumer credit, which is 85.60mm long, 53.98mm wide and 1mm thick. It is issued by banks to individuals and units, so that they can shop, spend and deposit and withdraw cash from banks. The form is a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.
Credit cards are issued to cardholders by banks or credit card companies according to the credit and financial resources of users. Cardholders don't need to pay cash when using credit cards, they will make repayment on the bill date.
2065438+On April 5, 2006, the central bank issued the Notice of the People's Bank of China on matters related to credit card business, canceling the late payment fee for credit cards, introducing liquidated damages, and prohibiting the collection of over-limit fees. The new regulations came into effect on April 20, 2007.
Debit card is an ordinary savings card, and its account attribute is current deposit account, which can be used for consumption, atm deposit and withdrawal, etc. Credit cards can be used for spending, atm deposits and withdrawals, etc. The biggest advantage is that you can overdraw (with a certain credit limit).
Generally speaking, bank cards are divided into credit cards and debit cards.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder deposits a certain amount of reserve fund according to the requirements of the bank, and when the reserve fund is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.
Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. Special card is a special-purpose debit card used in a specific area (except for department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.
How to deduct money from the credit card every month? It will be clear after reading it.
Under normal circumstances, credit cards will be deducted only after they are activated, but many people have never used their cards, or used them but paid back the money, but credit cards will still be deducted every month, so I want to know why? Then, how much is the monthly deduction from the credit card? Let me analyze it for you today.
How to deduct money from the credit card every month?
As we all know, credit cards will not be charged at will. If you deduct money every month, it is very likely that the cardholder has opened some value-added services, and the selected deduction method is monthly deduction. The most common is the SMS service fee. There will be no SMS reminder for consumption below 500 yuan in every bank, and only those who have opened SMS notification service will have a pen reminder.
The cost of this service is not high, 3 yuan per month, including quarterly payment and monthly deduction. If the payment is made on a monthly basis, the automatic deduction will be included in the current bill, so there will be cases where money will be deducted without using the card. As long as the credit card is deducted, it must be returned, regardless of the amount, to avoid overdue credit.
However, if you really don't know why the fee has been deducted, it is recommended to call the bank's customer service for consultation. If you don't think this service is needed, you can also cancel it by the way, so that it will not be deducted again next month. If it is found that the bank deducts money privately, the attitude is tough and the bank is allowed to return it. It is said that the card withdrawal threat will be more effective.
In a word, it's best to check the reason of credit card deduction every month. If you start your own business, you must pay back the money after deducting it, even if you only owe a few dollars. Although some banks have tolerance service, it is not overdue if it does not exceed 10 yuan, and interest will be calculated.
The credit card was deducted for no reason. What do you mean?
This situation is generally a tax refund; Because the tax paid by the taxpayer needs to be collected into the national treasury, the national treasury will also call it back to the personal bank card when handling the tax refund. Generally, the interest tax is deducted to verify the reason for the deduction. If you have any questions about the transaction on the card, you can call the bank's customer service hotline, and the bank will help you inquire. Banks will not deduct fees at will, and many users have objections to the deduction, which is likely to be bound to withhold, remit Class I or account management fees.
Pay an annual fee, whether it is a bank card or a credit card. According to the regulations of the bank, a certain annual fee will be charged every year, and the annual fee standard of each bank is different. Therefore, if you feel that you have been deducted inexplicably, it is probably normal to deduct the annual fee. If you are really worried, go to the local bank and ask the relevant staff to check it for you. Interest deduction: Interest is mainly for credit card users. Credit card repayment is very strict, there are certain rules, you must repay in full.
First, the precautions for using bank cards mainly include: try not to use your own birthday as a password, and it is recommended to use your own and your family's birthdays as a password. You can also use the mobile phone numbers of couples and children, and several numbers can be combined into a password. Remember not to use your mobile phone number. Don't use birthdays as passwords for bank cards and real estate transactions, and don't set the related real estate passwords to be the same as the login passwords of ordinary websites. Try not to use the same password for multiple accounts. For the case that one person has multiple bank cards at the same time, it is recommended that multiple accounts do not use the same password.
Second, because once the password of one bank card is leaked, other bank cards will be unsafe. Don't set the password too simply. When setting the bank card password, don't make it too simple, such as using serial number and duplicate number. The security of this digital combination is very low. When setting a password, try to use a number combination that is easy to remember and difficult to be cracked by others as your bank card password. If the funds cannot be recorded due to loss reporting or account cancellation of the bank card, please contact customer service in time to help you complete the loan. If the arrival time is delayed due to the failure to notify in time, the expenses incurred shall be borne by the user. The service hours of customer service are 9:30- 19:30 on weekdays. The specific contact information is: contact customer service, contact water elephant staging WeChat customer service, pay attention to the official account of "Water elephant staging" WeChat, or send the problem information directly on the official account of WeChat WeChat.
This concludes the introduction of credit card charges and credit card charges. I wonder if you have found the information you need?