Don’t let your credit card fall out of favor with the new annual fee free Sohu financial management 丽水学院附中

Don’t let your credit card fall out of favor with the annual fee free new skills – Sohu financial credit card has become a must in the public purse. The latest data show that the national credit card issued more than 422 million copies, the per capita credit card rapid increase. One person holding a number of bank credit cards, accidentally a credit card on the "off grace". A year did not brush enough agreed times or consumption does not meet the agreed amount, will pay an annual fee, wait until the "fee" to serve the consumer related stock movements fret. Bank of China credit card annual fee far higher debit card, Haikou citizen Zheng recently found a year more useless credit card suddenly detained 100 yuan, check the bill, just know the buckle is 100 yuan annual fee. Reporter survey found that compared to debit cards, credit card fees are generally high alarmingly. At present, most of the bank debit card fee is 10 yuan, but the Haikou market issued credit card fee for a minimum of 50 yuan card: Industrial and commercial bank for a minimum of 25 yuan fee card card; China bank, Bank of communications, China Construction Bank Puka 80 yuan card; Chinese bank, CITIC Bank (601998, shares) and China Merchants Bank (600036, shares) are 100 yuan Puka card. The annual fee for credit cards is surprisingly high, and some banks even exceed $1000. Among them, the Bank of communications platinum card annual fee of 1000 yuan card; Construction Bank platinum card annual fee of 1800 yuan card; ICBC platinum card annual fee of 2000 yuan card; CITIC Bank Private Bank platinum credit card annual fee 6800 yuan card. Bank of China Credit Card Center staff said that banks in order to encourage the establishment of cards, generally will be removed from the first year of the annual fee, but the annual fee should be reduced according to the number of cards. It is important for cardholders to understand these rules, which prevents cardholders from paying a high annual fee for credit cards. Platinum card try free platinum credit card, in the hearts of many friends, is "Heaven dragon" as the existence of concessions, more money. But hundreds of Qianshuqian platinum card annual fee, let many people flinch. But many banks have platinum cards that are exempt from annual fees. Take China Merchants Bank credit card as an example, most platinum cards can be reduced by satisfying certain conditions, such as the classic version of platinum card, you can enjoy 10000 points exchange annual fee of the main card, UnionPay platinum card free of charge in the first year, the year spent 80 thousand yuan and 20 free annual fee. "Banks have launched platinum card users free activities, mainly to enhance the loyalty and utilization rate of younger generation customers. With the post-80s generation becoming the backbone of consumption, by providing free platinum cards to provide higher credit lines, and reduce the cost of cards, it can promote the purchasing power of young households." Introduction of credit card department staff of Shanghai Pudong Development bank. It is reported that since January 1, 2015, Pudong development credit card has begun to offer 50 years of unconditional annual fee free for all kinds of credit card products, which is also the first domestic credit card industry to announce the annual zero annual fee. Insiders believe that the current situation of China’s credit card development, banking homogeneity.

不要让你的信用卡“失宠” 免年费新技巧-搜狐理财  信用卡已成为市民钱包中的必须品。最新数据显示,全国目前信用卡累计发行逾4.22亿张,人均持卡量快速提升。一人手持多家银行信用卡,一不小心某张信用卡就“失宠”了。   一年内未刷够约定的次数或者消费未达到约定的金额,就要付年费,等到“费”到临头时消费者才 相关公司股票走势 烦恼不已。   中国银行信用卡年费远高借记卡   海口市民郑先生最近发现一张一年多没用的信用卡突然被扣了100元,一查账单,才知道扣的是100元年费。   记者调查发现,相比借记卡,信用卡年费普遍高得惊人。目前多数银行借记卡年费都为10元 卡,但是海口市面发行的信用卡年费最低为50元 卡:工商银行普卡年费最低为25元 卡;中国银行、交通银行、建设银行普卡为80元 卡;中国银行、中信银行(601998,股吧)及招商银行(600036,股吧)的普卡都为100元 卡。   信用卡的白金卡年费更是高得惊人,有些银行甚至超出了1000元。其中,交通银行白金卡年费1000元 卡;建设银行白金卡年费1800元 卡;工行白金卡年费2000元 卡;中信银行私人银行白金信用卡年费6800元 卡。   中国银行信用卡中心工作人员说,银行为了鼓励办卡,一般会免去第一年的年费,但是次年年费需要根据刷卡次数进行减免。持卡人了解这些规则很重要,可以避免持卡人支付高额的信用卡年费。   白金卡尝试刷卡免费   白金信用卡,在众多卡友心里,就是“倚天屠龙”一样的存在,优惠多更省钱。可是白金卡动辄上千数千的年费,还是让很多人望而却步。但是不少银行部分白金卡是有免年费的政策的。   以招行信用卡为例,大多数白金卡可以通过满足一定条件进行减免,比如经典版白金卡,可以享受10000积分兑换主卡年费,银联白金卡首年免年费,当年消费满8万元且20次免次年年费。   “银行陆续推出白金卡用户免费活动,主要是想提升年轻一代客户的忠诚度和使用率。随着80后一代成为消费的中坚力量,通过提供免年费的白金信用卡向提供他们更高的信用额度,并降低用卡成本,可以促进年轻一族的购买力。”浦发银行信用卡部工作人员介绍。   据悉,浦发信用卡从2015年1月1日起,已开始将旗下50多款信用卡产品无条件终身免年费,这也是国内信用卡行业第一家宣布终身零年费的银行。   业内人士认为,目前的中国信用卡发展状况,银行业同质化竞争依然激烈,但已经不再拘泥于同类产品定位上的竞争,而是上升到附加服务、消费体验等方面的竞争,为此信用卡免年费是大势所趋,其他银行很可能会跟风取消信用卡年费。相关的主题文章:

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