Some people think that credit card has no annual fee can be enough times, some people think that a lot of credit card spending can no annual fee, because there is no uniform standard in the industry, many consumers had Terms and details.
the Not only is he, by the end of many credit card charges an annual fee, all users by surprise.
introduced, according to Han, he used the Shanghai Pudong Development Bank Credit Card Bank Credit Card Center opened card at the beginning people had told him, how can no annual fee. In his view, all banks are the brush should be enough of a credit card number on the no annual fee, so we strive to brush a few times each month. But that he did not expect that, in the just received on the bill, the bank or the deduction of the annual fee, and a deduction is 360. This makes him a hard time to accept.
reporters access to the relevant provisions of Shanghai Pudong Development Bank found that the line of credit is based on the cumulative amount of the annual consumption of remission, the universal implementation of the Puka consumption of 2,000 yuan, 5,000 yuan Gold consumption reduction times the standard annual fee. This provision needs to have consumers purchase commodities and pay by credit card and insurance business is not difficult for people to achieve, but for more than ten million used each brush, brush many times a month for the average consumer does not apply.
In fact, with the Han minority consumers have the same understanding, this knowledge from the bank's credit card sales promotion.
Reporter subsequent 14 banks (5 state-owned shareholding commercial banks banks +9) waive the annual fee rules were investigated and found that the initial open than CITIC bank card annual fee waived the first brush, the other 13 banks opened for the new Card customers shall be exempt from first year annual fee, Bank of China, Agricultural Bank of China, ICBC, CITIC, Societe Generale, Bank of China and Beijing brush over 5 annual fee-free times, and so on, Puka, Gold also apply. Construction Bank, China Everbright brush to remove at least 3 times, it is worth mentioning that the CCB issued special cards such as credit card Barbie beauty brushes at least 18 times before to be no annual fee (car card is fixed at 200 yuan / year cost-recovery no relief).
The terms and details of what it calls, the consumer now has a part to be Reporter found that many consumers do not know when the credit card to pay an annual fee, most people think that by the end of buckle. Press Advisory number of banks have found that credit card annual fee normally charged in the credit card approval in January, instead of each calendar year, such as front of the card is valid and India as the collected in October, the annual fee waiver each time is from November to next October.
further believe that the credit card was charged an annual fee, consumers had no room to maneuver. Fact that is not so. To remind the industry card customers, if found to get on the bill received an annual fee has been deducted, there is still room for remedy, you can request a refund by calling customer service, such as Mr. Zhang received the bill and found Chinese bank card annual fee has been deducted, then Call Huaxia Bank, asked whether refundable annual fee. Mr. Zhang said as long as the customer service line in the next 25 days credit card 5 times, and at least return the current bill's minimum amount has been collected will be refunded the annual fee.
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