Still annual fee credit card is not activated

Did not pay the annual fee should lead to bad credit records
Working in the foreign trade company of miss liu recently met on July 20, a depressed thing -- miss liu in nanjing bank when applying for housing loans, was told that because of bad credit and are kept out of the bank.Ate the "lock" miss liu feel both strange and injustice, but how also can't recall when leaving the embarrassment of credit history.By querying the bank drafts letter system, liu just know, that was a few years ago in another bank to handle credit card left a "curse" - because don't use a credit card for a long time, over the past few years the annual fee and fine for delaying payment in arrears has affected the miss liu's credit records.Miss liu feel particularly aggrieved, "I remember never to activate the card, which come so much fee?"

Have such "innocent" bad record embarrassing than miss liu a, in addition to the cardholder's own negligence, many Banks "con" to take a few years ago is not activated will charge an annual fee of behavior seems to be less common Open and transparent.On July 16, the China banking regulatory commission issued rules, requiring Banks to activate its card before, shall not charge any fees.How's the provisions?Reporters recently surveyed the nanjing Banks.

Individual bank credit card inactive annual fee
Through consulting the nanjing a state-owned bank customer service first line, the bank credit card center customer service staff, told reporters that the bank does not activate the card can be exempted from the first year fee, but the second annual fee ZhaoShou.When a reporter asked whether new rules to make corresponding adjustment according to the China banking regulatory commission, said the bank customer service personnel, at present has not yet received the relevant notice.The reporter understands survey, the average credit card annual fee is UD 80.

HongWu Road branch in Shanghai pudong development bank (600000), the staff member tells a reporter, at present the bank's normal credit card in the case of inactive don't charge any fee, this is the latest adjustment according to the CBRC notice.Bocom customer service hotline staff also said that according to CBRC notice, the bank has to inactive credit card no longer charge any fees.
In addition, the bank of China HongWu Road branch, icbc to visit branch, China changjiang road branch, agricultural bank of hunan road sub-branch, minsheng bank (600016) HongWu Road branch, everbright bank to visit branch Banks such as staff have made it clear that credit card is not activated no annual fee.Can be activated by means such as telephone banking card, and will be receiving the bank credit card activation confirmation slip.For credit card has been activated, it is the first year most Banks to take free annual fee to pay by credit card, the following year, according to a certain number or amount of credit card annual fee waivers way to supervise and control the credit card.