1, it won't be deducted all the time, and it will be paid in one lump sum. However, the card opening and replacement fee of a bank card contains two meanings, namely, card opening fee and card replacement fee. The bank card cost is 5 yuan/piece, and the bank card cost is charged for card opening or card replacement. Card opening fee, also known as account opening fee, generally refers to the fee charged when a bank opens a savings card (debit card). 5 yuan will be collected in one lump sum, which will be withheld together with the annual fee.

2. The card replacement fee for bank cards has two meanings: card opening fee and card replacement fee. The cost of a bank card is 5 yuan/Zhang (that is, the card opening fee). Your 5 yuan card fee is not collected when you open the card, but later. Because many bank concepts have been simplified, the card replacement fee is put together (the card replacement fee is also 5 yuan per card, and your card replacement fee is not charged). The annual bank fee is 10 yuan/year, and the deducted 9.75 yuan is the annual fee. Why not 10 yuan? Because there may not be 10 yuan in the card when the annual fee was collected, 0.25 yuan was deducted at that time. When you deposit cash, the system will deduct the last annual fee of 9.75 yuan.

Apply for replacement of damaged card.

1. If the one-card card is damaged, you should apply for card replacement at any branch of China Merchants Bank with valid ID and the damaged card. After the new card is made, a short message will be sent to inform you to collect the new card. The specific use time shall be subject to the confirmation of the handling bank.

Tips: You can apply for a replacement card on your behalf. You only need to provide two valid identity documents, but you can only pick up the card yourself, and you can't do it on your behalf (the guardian of the outlet can be a minor). IC card fee: No charge.

2. Handling fee for card replacement in case of damage: the fee charged by each branch shall prevail. Please call customer service to verify.

Tips: If any card in the name of sunflower or above customers is damaged, it will be replaced free of charge.

If the credit card is damaged, the signature is blurred and the magnetic stripe is demagnetized, you can apply for a card replacement through the channel of mobile banking version 6.7.0.

Tips:

CVV2 will change after the 1. card is damaged.

2. The damaged new card has the same number and card type as the old card (except that UnionPay IC card will be replaced by UnionPay magnetic stripe card).

3. There is no need to reset the inquiry password and transaction password after the card is damaged and replaced.

4. After applying for loss reporting compensation, the old card can continue to be used. Once the new card is opened, the old card will be invalid immediately. It is recommended that you cut the old card and destroy it to avoid confusion.