There is no need to charge an annual fee for the credit card of China Construction Bank, and you can apply for cancellation. However, if you just don't want to pay the annual fee, you can avoid the annual fee if you swipe your card for a certain number of times in a year.

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.

note:

Generally, you only need to swipe your card for a certain number of times or amount in the current year, so you can waive the annual fee for the next year or the current year. Minsheng Bank needs to swipe its card up to 8 times a year. Official website, another bank, also learned that Bank of Communications and China Merchants Bank need to swipe their cards six times a year, Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China CITIC Bank and Huaxia Bank need to swipe their cards five times, and China Construction Bank needs to swipe their cards three times. There are also some card-issuing banks, such as Bank of China and Industrial and Commercial Bank of China, which adopt the method of "exchanging points for annual fees".