However, because the bank has fully implemented the double exemption policy, if the only account handled by bank customers in the bank is free of annual fees and account management fees.
If there are multiple savings cards in CITIC Bank, users need to bring their ID cards and bank cards to the bank to apply for the annual fee reduction of one of the accounts.
The annual fee of bank card refers to the fixed fee charged by China's commercial banks for bank accounts every year. The annual bank card fee is charged once a year, and the bank withdraws it from the account.
From August 1 2007, the annual management fee for bank cards began to be cancelled, and some basic financial service charges of commercial banks were suspended.
Bank card annual fee usually refers to debit card annual fee, but broadly includes credit card annual fee and online banking annual fee. Some debit cards charge an annual fee, and some banks waive the annual fee. Credit cards generally charge an annual fee, and the fee is high, ranging from several hundred.
In fact, as early as 20 1 1 year, the Notice on Exempting Some Service Charges from Banking Financial Institutions was jointly issued, requiring banking financial institutions to exempt 34 service charges from 11RMB personal account on July of that year, including salary, bill printing fee and password.
However, the annual bank fee has not been cancelled with the notice, and the four major state-owned banks continue to charge annual fees. Medium-sized comprehensive commercial banks such as Minsheng Bank, Industrial Bank, China Everbright Bank, China Merchants Bank, Ping An Bank, Shanghai Pudong Development Bank and China CITIC Bank all have no annual fees. Industrial and Commercial Bank of China, Agricultural Bank of China and China Construction Bank will charge an annual fee of about 10 yuan.
According to the new charging standard implemented on August 20 14 1 4, commercial banks that do not enjoy the exemption of account management fees (including small account management) and annual bank card fees in customer accounts (excluding credit cards and VIP accounts) should provide them with accounts (excluding credit cards and VIP accounts) that are exempted from account management fees and annual bank card fees according to customer applications. In other words, every citizen of China can have a free account in a commercial bank.
Therefore, you can cancel the annual bank card fee and apply to the bank yourself. In addition, Jintou Bank suggested that in order to avoid going the wrong way, you can call the bank customer service first. There is also a bank card SMS notification fee that is not within the scope of reduction. In addition, everyone can designate an account as "free" in each bank, whether it is a new card or an old card. If you already have a "free of charge" bank card in your name, you can't apply again.