The annual fee of credit card is easy to be ignored or misunderstood, and it is also the easiest to "smear" our credit record. In fact, at present, the vast majority of credit cards that do not open cards charge an annual fee. At present, only the credit card of Minsheng Bank will be automatically cancelled after 6 months if it is not opened, and the rest will be charged an annual fee.

Most banks will directly exempt the first year's annual fee and the next year's annual fee by swiping the card times, but some banks will directly deduct the annual fee in the first year and then exempt it by swiping the card (such as industrial bank). It is recommended that cardholders consult in detail during the application process to avoid creating bad records for themselves. If you don't intend to open your credit card, you should cancel it immediately.

For the practice of collecting annual fees without opening cards, the bank explained that when handling cards, credit accounts arise, and banks also have to bear the corresponding capital overdraft risk and management expenses, so they should charge. Moreover, the regulations on the collection of this fee are stipulated in the articles of Association for the use of credit cards given to us by the bank. After we fill in the credit card application form and sign, it means that we agree with the bank to collect this fee. It's just that when we apply for cards, we seldom look at the articles of association of card application. Next, let's discuss how to cancel the credit card you don't want to use?

Unused credit cards must be sold within 12 months after the issuance date. Generally, credit card cancellation is to call the credit card customer service center of the issuing bank and ask the customer service personnel to handle card cancellation. Some banks require to open the card first and then cancel the card. Just follow the customer service prompt procedure.

All cards must be paid off before they are cancelled. Some credit cards are not free of annual fee in the first year, so you can brush enough times of annual fee free, pay off the money, and then sell the card. It takes 45 days to cancel the credit card. There is no service charge for card cancellation. The cancellation of the card does not affect the credit record.

How about the online inquiry steps of personal credit records? Credit record query can be divided into bank credit record query and personal credit record query. For more detailed information, please refer to wasp insurance credit card!

Cardholders can also handle card cancellation at the counter with their valid identity certificate and the credit card to be cancelled, but some banks can only cancel the card by telephone. The following is the telephone number of the credit card customer service center of some banks. You can call these telephones for consultation on the annual fee of credit card or card cancellation.

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