I have been using credit cards since a few months which has got the annual fee charge. If I am using more than 50k per year then the charged are said to be reversed. I generally pay the bill even before the bill generation to avoid the credit utilisation percentage. I wanted to know if I do the same to decrease credit utilisation (<20%) does the annual fee reversal still happen? Or I do have to show in my bill that I have used the 50k or 1lakh for annual fee reversal.
