"disguised" fees are also common, such as "occupation fee", "production fee" and membership fee.

annual fee bargaining

Free annual fee for credit card swiping is for banks to encourage cardholders to spend by credit card swiping. If the cardholder does not meet the standard of annual fee exemption, most banks will also give some customers annual fee exemption to retain customers, some through supplementary fee reduction, and some unconditionally!

High-end cards are usually not free

Most platinum cards or higher cards are exempt from annual fees. For example, the annual fee for top-level cards, American Express black cards, etc. (such customers are generally not short of money).

Reminder: For credit card holders, it is unnecessary not to apply for supplementary cards as far as possible, because supplementary cards charge an annual fee, which is cheaper than the main card, but it is better to avoid it.