Woman's Credit Card Charged 7,200 Yuan in Annual Fees Over Two Years: Paying 20 Yuan Monthly for "Dedicated Customer Service," Yet Not a Single Reminder SMS Received!

MaticHoleFiller · 2026-03-17T20:48:21+00:00

Ms. Wang reported that her Pudong Development Bank American Express Platinum credit card was being continuously charged with 7,200 yuan in annual fees and 960 yuan in "value-added services" fees despite reduced usage, with no prior notifications sent. The customer service resolution was unacceptable to her. The reporter has relayed the situation to the bank, but has not yet received a response.

MaticHoleFiller

2026-03-17 20:48:21

Abstract generation in progress

Recently, Ms. Wang from Shanghai reported to reporters that she has a UnionPay American Express Platinum Credit Card. Although she rarely uses the card and her benefits have been continuously reduced, she has still been charged high annual fees for the past two years, totaling 7,200 yuan.

What she finds even harder to accept is that after reviewing her bills, she discovered that she has been paying 20 yuan per month for a “value-added service,” totaling 960 yuan. According to customer service, this fee covers services such as one-on-one customer support and priority channels. However, before the high annual fee was charged, she did not receive any clear reminder via SMS.

Ms. Wang stated that she applied for this UnionPay American Express Platinum Credit Card in 2017. As her benefits continued to diminish, she used the card less and less. It wasn’t until March 10, 2026, when she received a call from the bank informing her that her credit card bill was “about to be overdue,” that she noticed a large outstanding balance on her account, including an annual fee of 3,600 yuan. Upon reviewing her past bills, she also found that she was charged the same annual fee in 2025, totaling 7,200 yuan over two years.

Ms. Wang contacted the bank’s customer service. The solutions offered included: first, spending 200,000 yuan within three months to get the annual fee refunded; second, applying for a new UnionPay bank credit card and negotiating a refund. She found these solutions unacceptable.

Ms. Wang questioned, “If they charge me 20 yuan every month for dedicated customer support and reminder services, why was there no SMS alert when the 3,600 yuan annual fee was charged?”

On March 15, the reporter reported Ms. Wang’s experience to the bank’s credit card center. The staff stated that they had recorded her feedback and would arrange for a dedicated person to follow up via phone. As of the time of publication, there has been no response.

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