The annual fee of credit card has always been the focus of cardholders' attention. Except for rigid annual fee credit cards such as Platinum Card, most non-annual fee cards can reduce the annual fee by swiping the card number, but they must meet the standard within the annual fee period. Card friends often forget how many times their credit cards have been swiped. So, how do you know if your credit cards have been swiped enough? Here is to teach you several query methods. 1. Inquiry method of credit card swiping times: 1) SMS notification: Some banks are kind, and send SMS notification a month before the annual fee cycle, telling cardholders how many times they need to swipe their cards to reduce the annual fee, and then you can swipe enough times mentioned in the SMS, just like CITIC Bank did. 2) Telephone inquiry: directly dial the service hotline of the issuing bank, and transfer it to the manual customer service, so as to help with the inquiry. Usually, it is necessary to inform the correct identity information. After verifying the identity, the customer service will inform the current credit card swiping times in the annual fee week. Some of them are more conscientious, and they will also tell the cardholder how many times they need to swipe to reach the annual fee-free condition. 3) Bill inquiry: You can inquire about the current bill of the credit card in official website and Mobile Banking, and find out several bills, the consumption times of each bill, etc., and then combine the annual fee-free condition of the credit card you hold to infer whether you have swiped enough times.

2. what should I do if my credit card is not swiped enough times? 1) Exchange points for annual fees: There are few banks that support this, such as Agricultural Bank of China and China Everbright, but at least thousands of points are needed. The exchange method may be different for each bank. It is best to call the service hotline of the issuing bank and transfer it to manual customer service for clarification. 2) Deduct the annual fee from the line: If the annual fee is not up to the standard, the bank will deduct the annual fee from the credit card line and include it in the next bill. If you don't want to be overdue, you must repay it on time.