Unverified88% confidenceCautionTime unknown
如果每年达不到刷卡免年费的门槛，年费负担较重；低消费频次用户不建议持有
1
Sources
88%
Confidence
Long-term
Relevance
-
First Seen
Sources
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Unverified年费需通过每年刷卡满一定笔数或金额减免，若境外消费频率很低、日常刷卡量不足，年费成本可能不划算92% similarUnverified年费减免需达到一定消费金额或笔数门槛，若持卡后用卡频率低或主要在国内消费，可能无法达标减免而产生较高年费88% similarUnverified不经常走高速或年通行费较低的用户，返现实际金额有限，办理和绑定信用卡的流程成本不一定划算81% similarUnverified折扣力度越大的银行ETC往往捆绑信用卡刷卡次数或年费要求，图便宜绑高门槛信用卡后不达标反而倒扣年费，通行费不多的用户不划算80% similarUnverified一年出境不超过一次且无海淘需求的人，不建议专门办年费较高的全币种卡，用现有卡+境外1.5%费用总成本更低78% similar
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