Credit cards are closely related to personal credit information. Overdue credit card will affect personal credit information, and overdue credit card repayment includes annual fee. Most credit cards have an annual fee. After the annual fee is generated, it needs to be paid off in time, but the annual fee can also be reduced. Let's look at the regulations of the Bank of Communications.

Can the annual credit card fee of Bank of Communications be refunded?

You can refund it after meeting the conditions of annual fee exemption, otherwise it will not be refunded. If the annual fee of your Bank of Communications credit card has been generated and the bill has been generated, but you don't want to pay it, you can call the Bank of Communications credit card service hotline and turn to manual consultation. Can I deduct the annual fee that has been generated for the number of swipes?

The general process is to pay the annual fee first, and then communicate with customer service by phone or WeChat official account. After the payment (WeChat/Alipay donation, telephone charges, small consumption of convenience stores), the annual fee will be refunded before the next billing date at the latest, because the bank does not expect to profit from this annual fee.

1 jinpuka: the annual fee is free in the first year, and the annual fee is free in the second year after six transactions per year. If the account is not activated, no annual credit card fee will be charged;

2 Youyi Platinum Card and Huanran Platinum Card: the annual fee of the main card is 500 yuan/year (the supplementary card is exempted from the basic annual fee), the annual fee is exempted in the first year, and the annual fee is exempted in the following year after six transactions per year;

3 Platinum Credit Card: Leica Platinum Credit Card: 900 yuan/year; Standard Platinum Credit Card: ￥ 1000/ year; Private silver platinum card: ￥ 3,000/year; Ultra-high-end credit card: ￥ 4,800/year; (Supplementary cards are exempt from the basic annual fee), and some platinum cards can deduct the annual fee with points.

When will the annual credit card fee be deducted?

1 Platinum Credit Card: Except for the first-year platinum card issuance activities, the first-year annual fee for platinum card users will be charged on the platinum card activation day and the first activation day of the following year.

2 Non-platinum credit card: If the annual fee is not reduced, the annual fee will be charged on the card verification day (according to the current annual fee charging rules, the annual fee will be exempted in the first year, and the annual fee will be exempted in the following year after six transactions in the first year, and so on).

Official reminder of Bank of Communications credit card: The main card and the auxiliary card are combined to calculate the number of consumer transactions, and transactions generally refer to credit card consumption, POS consumption, online consumption and cash withdrawal transactions.