Credit Card Annual Fees: Nowadays many people use credit cards, but only a few people are able to use it properly. There are many people who often complain that an annual charge is levied on their cards, which bothers them. Let us talk about some such ways today, by which you can get rid of the annual charge levied on your credit card.

For using any credit card, an annual charge is levied on most credit cards by the banks. This charge can range from Rs 500 to Rs 10,000. However, with some smart ways, you can get rid of the annual charge levied on your credit card. Let us know about 4 such ways.

Before getting a credit card, you must know how much spending can get the annual charge waived. This limit may vary for different cards. This will help you understand whether you can spend up to that limit or not. If you spend up to the set limit every year using that credit card, you can get the annual charge waived.

There are many cards whose annual charges can be paid using the reward points earned on it. If you buy such a credit card, you can get the annual charge waived off.

If you have been using a bank's credit card for a long time, you can negotiate with the bank to get the annual charge waived off on your card. In most cases, banks accept such requests.

If despite all efforts, the annual charge on your credit card is not being waived off, you can buy another card from that bank. Remember, this time you have to buy a card on which there is no annual charge or a card on which your annual charge is waived off just by spending less money.