Because the credit card is not used, the annual fee reduction conditions are not met, and the annual fee is generated. After being deducted by the bank, if the card-issuing bank stipulates that the annual fee can be refunded if the card-issuing bank makes up the number of card swipes or the amount, then the customer You can make up for it within the time specified by the bank. As long as you can complete the number of times or the amount required by the bank, the bank will refund the annual fee to the user.

For example, the annual fee for a credit card held by a customer stipulates that the annual fee can be waived if the customer swipes the card 6 times within a year. After the bank deducts the annual fee, the annual fee can be refunded if the card swipe the card enough times within a month. , after the customer is charged the annual fee, as long as the credit card is used 6 times within a month after the annual fee is deducted, the bank will refund the deducted annual fee to the user.

If the card-issuing bank does not have this provision, then after the deducted annual fee is included in the bill, the customer must remember to repay it in time before the due repayment date (inclusive) to avoid overdue payment. In fact, customers can also use cards more often. For example, gold cards and ordinary cards can be exempted from annual fees by swiping a few times a year. The conditions for annual fee exemption are still very simple.