看到有人说中信信用卡年费可以交2用3，官网上也有以下条款，有兄弟姐妹**过的么？如何申请？：
5.一次性缴纳2年年费，可免第3年年费；
5. Free of annual fee for the third year if the annual fees of the first two years are paid one -off;
6.一次性缴纳2年或3年年费，可享受特定增值服务；
6. Special value added service are available if the annual fees for two or three years are paid one-off;
7.新发卡客户购买特定增值产品可免首年或首两年年费；
7. New customers will be exempted of annual fee for the first or the first two years if they buy particular value-added products;
