The annual fee of a credit card is the key to ensuring the rights and benefits of the credit card, and it is also one of the standard fees. However, most credit cards currently on the market have corresponding annual fee discount policies. Some are free of annual fees, and some can be exempted from annual fees if the number of card swipes or the amount of swiped cards is reached. This requires cardholders to clarify the payment cycle for the annual credit card fee.

Most banks set the starting point of the credit card annual fee calculation cycle on the credit card approval date. Therefore, as long as you know the credit card annual fee calculation cycle, you can make corresponding calculations. If you don't know the verification period of your credit card, is there any way to find out?

The credit card approval date can be checked in four ways:

1. Card letter inquiry

After getting a new credit card, relax. The card letter records a lot of information about the credit card, including the credit card approval date.

2. Credit card face inquiry

Some banks will clearly indicate the credit card approval date on the front of the credit card. Under normal circumstances, banks will indicate two times on the credit card, one is the card verification date, and the other is the expiration date.

3. Telephone inquiry

Cardholders can directly call the bank’s credit card customer service hotline and follow the voice prompts to manual customer service, who will assist in querying the card verification date. During this period, cardholders may be required to provide their ID number to prove that they are the cardholder.

4. Online banking inquiry

Credit card holders can directly log in to the card-issuing bank's online banking to view credit card information, including the card verification date.