How Do I Dispute a Credit Card Charge?

Credit card annual fee rules refer to the corresponding provisions of the annual payment of credit cards. Before credit card holders do not activate the bank, the bank may not charge annual fees. Most of the annual fees are around one hundred yuan, and some banks provide that the annual fee can be waived three times a year.

Credit card annual fee rules

Credit card annual fee rules refer to the corresponding provisions of the annual payment of credit cards. Before credit card holders do not activate the bank, the bank may not charge annual fees. Most of the annual fees are around one hundred yuan, and some banks provide that the annual fee can be waived three times a year.

Chinese name

Credit card annual fee rules

Minimum annual fee

Around 50 yuan

Higher annual fee

Around 200 yuan

Annual fee waiver rule

You can waive the annual fee by swiping your card more than three times

Although the CBRC issued a notice as early as July that banks cannot charge annual fees until cardholders have activated their cards, many cardholders are still confused in the face of the various rules for handling annual fees for credit cards from different banks.

"I have several credit cards from different banks. Some regulations require six annual fees to be waived, and some regulations require a cumulative spending of more than 5,000 yuan to waive the annual fee, and some require 3,000 points to waive the annual fee." Miss Xu, who works for a foreign-funded company, told reporters that in order to find out the annual fee of different credit cards, she called each credit card center to ask for it clearly, and then wrote it down to avoid some credit cards due to the number of credit cards or the amount of money is not up to standard , And the case of annual fees in the following year.

ICBC [5.41 2.85%] has the lowest average annual fee

According to the statistics of the financial research institution Silver Rate Network, Industrial and Commercial Bank of China has the lowest average annual fee for gold and general cards, with an average annual fee of about 100 yuan; SPDB [23.20 4.93%] High, about 150 yuan higher than ICBC.

And the different types of credit cards introduced by the same bank have different annual fee rules. Like ICBC's

Cardholders need to pay attention when looking for a free lunch. Although some bank credit cards claim to be free of annual fees for life, before they can enjoy the annual fee waiver, they need to pay a certain amount of "entrance fee", such as the Shanghai Development Bank WOW card, An annual occupancy fee of 260 yuan is required to be waived.

China Merchants Bank [18.04 4.64%] ANA CARD ANA Credit Card provides annual lifetime fee waiver, but the bank will charge membership fees on behalf of ANA ANA, the main card is 650 yuan / year, and the subsidiary card is 325 yuan / year.

TIPS: In fact, consumers do not have to choose a credit card that is free of annual fees for life, choose a credit card that is suitable for them, and use it reasonably, which can also avoid unnecessary fees.

The annual fee policy of most banks has not changed. Generally, the standard fee for standard credit cards is around 100 yuan, while the annual fee for gold cards is generally 200 yuan or 300 yuan. The annual fee of single currency card is lower than that of dual currency card. The annual fee of the supplementary card generally corresponds to half of the annual fee of the main card.

However, the annual credit card fee standards of various banks will vary depending on the card. For example, Pudong Development Bank standard credit card general card annual fee main card is 180 yuan, attached card is 90 yuan; gold card annual fee main card is 360 yuan, attached card is 180 yuan; SPD Shanghai Airlines joint card annual fee is 360 yuan; as for SPD McDull series Credit cards are showing the sign of "No annual fee for life". Therefore, even for credit cards issued by the same credit card center, the annual fee standard will vary greatly. Cardholders should first ask how high this "potential cost" is when they apply for a card.

In fact, for most cardholders, the annual fee is not a problem, the key is whether the annual fee-free target is easy to achieve. From the survey, we found that most credit card centers did not adjust the original annual fee waiver standard, and only a few raised it.

Since August 2013, most credit cards can be exempted from the first year of annual fees. After that, the annual fee can be reduced or exempted by swiping the card a certain number of times or a certain amount. The relatively low standard is the standard cards of China Construction Bank and China Everbright Bank. As long as the cardholder swipes three times a year, the annual fee for the next year can be waived. Among them, the cumulative number of card swipes can also be combined between the main and subsidiary cards of Everbright Credit Card. That is to say, you can waive last year's fee if you swipe the main card and auxiliary card 3 times in total.

The annual fee waiver policy of the Bank of Communications is the first annual fee waiver. If you swipe 6 times (with an unlimited amount) within a year, you can waive the second annual fee. However, the credit card center may introduce a new annual fee standard, which will be announced on the credit card center website at that time, and cardholders will also receive corresponding notifications. If the annual fee waiver policy is changed, cardholders should not forget to adjust the card swiping strategy.

SPD Bank's annual fee waiver policy is relatively special. Standard cardholders, gold cards, and some platinum cards (point acceleration, simple platinum) cardholders can waive the annual fee for the next year if they swipe their card 6 times. Standard Platinum Cards and Co-branded Cards require 30,000 points to waive the annual fee for the following year. (1 point for 1 yuan consumption)

Minsheng Bank and

Annual fee standard:

Annual fee of domestic ordinary card is 50 yuan, gold card is 100 ^[1] yuan;

International dual currency card ordinary card fee 100 yuan, gold card 200 yuan;

Business ordinary card 200 yuan, gold card 400 yuan; platinum card 2,000 yuan;

All secondary card annual fees are half of the primary card annual fee.