How much is the annual fee of China Merchants Bank Constellation Guardian credit card? If you want to waive the annual fee, do it.

China Merchants Bank bought a constellation guardian credit card. New and old customers can get 1 year health insurance every day, which can protect cardholders from 65 major diseases. Such a good credit card can be obtained in minutes. However, before starting to apply for China Merchants Bank Constellation Guardian Credit Card, it is necessary to know the annual fee of this card. Let's have a look.

1. What is the annual fee of China Merchants Bank Constellation Guardian Credit Card?

China Merchants Bank divides credit cards into ordinary cards, gold cards, platinum cards and above. Different levels of credit cards have different annual fees. The higher the level, the more expensive the annual fee. And this China Merchants Bank Constellation Guardian Credit Card belongs to UnionPay Gold Card, which is implemented according to the annual fee standard of gold card:

1) charging standard:

Gold card 300 yuan/year, supplementary card 150 yuan/year, no annual fee if you don't open the card.

2) Free of annual fee:

The annual fee is directly exempted in the first year of card opening, and the annual fee for the following year can be reduced if you spend six times in the annual fee cycle. By analogy, consumption is not limited in amount and form, such as online transaction, cash withdrawal, installment transaction, credit card binding Alipay or WeChat.

If the number of swipes is insufficient during the annual fee period, the annual fee will be deducted from the credit card limit and included in the first installment of the bill. The cardholder must repay the loan on the last repayment date, otherwise it will be overdue.

2. How to calculate the annual fee cycle of China Merchants Bank Constellation Guardian credit card?

The annual fee cycle of China Merchants Bank is based on the validity period marked on the card.

If the validity period marked on the card surface is 12/22, it means that the credit card will expire at the end of 12 in 2020, and the annual fee period is 10 to 12 to 3 10, and the annual fee collection/reduction will be displayed as/kloc-0 on the bill.