No matter whether the user is activated or not, the industrial bank Youyi Business Travel Platinum Credit Card will charge an annual fee first, and it cannot be exempted from the annual fee. After the platinum card is activated, it can't be exempted from the annual fee, and it can't be exempted from the annual fee for the next year like ordinary cards, because the platinum card provides special services.
Bank credit card annual fee-free policy:
First, the annual fee of the bank is charged after the first use, that is, one year after the account is opened. As long as you pay 5 or 5,000 yuan in this year (3 student cards or 3,000 yuan, 654.38+060,000 points of platinum card are exempted from annual fee or 200,000 yuan), the annual fee for that year will be exempted.
Second, the policy of permanently reducing the annual fee of bank credit cards:
1. Platinum cardholders who spend a total of RMB 4 million can get a permanent annual fee-free discount for the main and auxiliary cards.
2. Individual cardholders of gold cards and ordinary cards who have no bad credit records and have held various credit cards of Bank of Communications for more than 10 years (including 10 years) since the implementation of these Measures may be granted permanent annual fee exemption for the main and secondary cards in an account.
Extended data
The annual fee of bank card refers to the fixed fee charged by China's commercial banks for bank accounts every year. The annual bank card fee is charged once a year, and the bank withdraws it from the account.
From August 1 2007, the annual management fee for bank cards began to be cancelled, and some basic financial service charges of commercial banks were suspended.
Bank card annual fee usually refers to debit card annual fee, but broadly includes credit card annual fee and online banking annual fee. Some debit cards charge an annual fee, and some banks waive the annual fee. Credit cards generally charge an annual fee, and the fee is high, ranging from several hundred.
In fact, as early as 20 1 1, the China Banking Regulatory Commission, the People's Bank of China and the National Development and Reform Commission jointly issued the Notice on Exempting Some Service Charges of Banking Financial Institutions.
Banking financial institutions are required to waive 34 service charges of RMB personal account 11from July of that year, including salary, small account management fee, bill printing fee, password modification and password reset fee, etc.
However, the annual bank fee has not been cancelled with the notice, and the four major state-owned banks continue to charge annual fees. Medium-sized comprehensive commercial banks such as Minsheng Bank, Industrial Bank, China Everbright Bank, China Merchants Bank, Ping An Bank, Shanghai Pudong Development Bank and China CITIC Bank all have no annual fees. Industrial and Commercial Bank of China, Agricultural Bank of China and China Construction Bank will charge an annual fee of about 10 yuan.
Platinum Credit Card (Excellent Series): the main card: 900 yuan/Card, and the auxiliary card: 600 yuan/Card;
Annual credit card fee: for credit card products without supplementary cards, only the main card fee standard can be used; For credit card products with supplementary cards, unless otherwise specified, the annual fee for supplementary cards shall be charged at half of the annual fee for main cards.
Once diamond cards, platinum cards, titanium cards, crystal credit cards and other products are issued, an annual fee will be charged regardless of whether they are activated or not, except for products with special instructions. Industrial Bank will not refund the annual fee it has collected; If the overdue payment of the annual fee adversely affects the personal credit record, it shall be borne by the cardholder.