If a specific card is not opened, an annual fee will be charged.
Recently, when handling credit cards, the reporter found that some specific credit cards still have the rule of "charging an annual fee regardless of whether they are opened or not". For example, the helokitty perfume card of China Merchants Bank, whether activated or not, will charge an annual fee of 300 yuan/year; The annual fee of 200 yuan/year is also charged for some car cards of CCB; Shanghai Pudong Development Bank also has a card that charges an annual fee even if it is not opened. However, before this, the reporter only knew that the CBRC stipulated that "banks should not charge an annual fee before the credit card is activated", but how can they charge it now? In this regard, a credit card staff told reporters that if the bank wants to charge an annual fee, it must provide some specific "value-added services" different from other cards. Take the helokitty perfume card of China Merchants Bank as an example. First, the design cost of the card is higher than other credit cards, and secondly, some gift packages will be given away.
Three ways can be deducted.
But even with more value-added services, cardholders still have to charge an annual fee if they don't use credit cards. Is this in line with the regulations? With questions, the reporter interviewed the staff of Shanghai Banking Regulatory Bureau. He told reporters that Article 5 of the Notice of China Banking Regulatory Commission on Further Regulating Credit Card Business promulgated by the CBRC clearly stipulates that banking financial institutions shall not deduct any fees before the cardholder activates the credit card, except that the cardholder authorizes the banking financial institutions to deduct fees in writing, by telephone recording at the customer service center or by electronic signature. "That is to say, if a bank wants to deduct the annual fee of an inactive credit card, it must go through three channels: the cardholder's written form, the telephone recording of the customer service center and the electronic signature.
"At present, most banks adhere to the policies of the China Banking Regulatory Commission, but there are many types and functional services of credit cards, and each card type has different rules, which consumers need to understand carefully. At present, banks need to strengthen the training of credit card salesmen, give play to the detailed role of business notification, and inform customers of the way of deducting annual fees, so that the business is transparent; Consumers also need to know whether they really need a credit card to avoid a large number of idle cards and sleep card. In addition to listening to the salesman's introduction, it is best to call the customer service staff to learn more about the rules of using the card so as not to bury disputes. " A director of the credit card operation technology department reminded this.