However, experience shows that most banks will agree to refund the annual fee after the cardholder has made up the number of swipes, because although banks pay more attention to the annual fee of credit cards, they usually accept the application for card replacement made by customers. If the bank says no at first, the cardholder can cancel the card without refunding the annual fee, and many customer service will give in.
Not all annual fees can be refunded, such as the rigid annual fee for platinum cards, the annual fee for some special cards, or the annual fee deducted from points. Most of the annual fees that can generally be refunded can be reduced or exempted according to the number of swipes.
Data expansion:
Industrial Bank Co., Ltd. (hereinafter referred to as "Industrial Bank") was established in August 1988. It is one of the first joint-stock commercial banks approved by the People's Bank of the State Council and China. It was officially listed on the Shanghai Stock Exchange in 2007 (stock code: 60 1 166) and its head office is located in Fuzhou.
Since its opening 30 years ago, Industrial Bank has always adhered to the business philosophy of "sincere service, accompanying growth" and is committed to providing customers with comprehensive, high-quality and efficient financial services. By the end of 20 14, the total assets of Industrial Bank exceeded 4 trillion yuan, reaching 4.4 1 trillion yuan, an increase of 19.84% compared with the beginning of the year. The net assets per share attributable to ordinary shareholders was 65.438+0.286 billion yuan, an increase of 22.6 1% compared with the beginning of the year. The annual operating income was 65.438+024.834 billion yuan, a year-on-year increase of 654.38+04.23%; The net profit attributable to shareholders of the parent company was 4,765.438+0.08 billion yuan, a year-on-year increase of 65,438+0.4365.438+0%; The weighted average return on equity remains at a high level of 2 1. 19%; Branches of 108 and 1435 have been established in major cities in China; It owns subsidiaries such as Xingye International Trust, Xingye Financial Leasing, Xingye Fund, Xingye Consumer Finance, Xingye Wealth and Xingye Guo Xin Asset Management, forming a modern financial service group with banks as the main body, covering trust, leasing, funds, securities, consumer finance, futures and asset management.
The annual credit card fee of Industrial Bank is as follows:
1. Puka: 80 yuan/year.
2. Gold card: 200 yuan/year.
3. Platinum Card (Elite Edition)/Titanium Card: 500 yuan/year.
4. Platinum Card (Elite Edition): the main card is 600 yuan/year (no additional card is provided).
5. Platinum card (leisure series): the main card is 900 yuan/year and the supplementary card is 600 yuan/year.
6. Platinum credit card (standard version): the main card is 2600 yuan/year, and the supplementary card is 1200 yuan/year.
7. Diamond card: main card 15000 yuan/year.