Card Organizer
CN β USProduct Images
AI Analysis
π³ Card Organizer (Wallet & Card Holder)
π HS Code Reference & Customs Clearance Guide | 2026 Latest Tariff Analysis | Professional Logistics Strategy
π I. Product Definition: Is Your "Card Organizer" Just a Wallet?
A Card Organizer is a versatile storage device designed to hold identification, credit cards, business cards, and small valuables. In international trade, its classification is highly sensitive to material composition. It is not a single uniform product but falls into several distinct categories depending on whether it is made of plastic, wood, or textile/fabric materials.
β οΈ Critical Classification Point:
- If it is Plastic β It is an "Other Article of Plastic" (3926)
- If it is Wood β It is an "Other Article of Wood" (4420)
- If it has Textile Exterior β It is an "Other Container" (4202)
Misclassification here can lead to a 10x difference in tariff rates (from 20% to 50%+).
π¦ II. HS Code Classification Details (2026 Latest Tariff Reference)
Based on the specific material composition inferred from the product name "Card Organizer," here are the four primary classification paths:
| HS Code | Material Inference | Description & Logic | Total Tax Rate |
|---|---|---|---|
3926.90.10.00 |
Plastic (Rigid/Standard) | Inference: Card organizers are commonly made of PVC, acrylic, or silicone. Classified under "Other articles of plastics: Containers." | 20.9% |
3926.90.99.89 |
Plastic (Other/General) | Inference: Fits the general category of "Other articles of plastic." Used if the specific plastic type doesn't fit 3926.90.10. |
22.8% |
4202.92.93.15 |
Textile/Fabric (Premium) | Inference: If the exterior is leatherette, canvas, or fabric, it falls under "Travel goods and toilet bags: Other containers." | 52.6% |
4202.92.60.10 |
Textile/Mixed (Jewelry Style) | Inference: If shaped like a jewelry box but used for cards, or made of mixed materials. | 41.3% |
4420.90.80.00 |
Wood (Solid/Laminated) | Inference: Handcrafted wooden card holders. Classified under "Other articles of wood." | 38.2% |
π Key Insight:
- Plastic organizers are the most cost-effective to ship (Tax ~21%).
- Textile/Leather organizers attract the highest duty (52.6%) due to "122 Clause" and higher base rates.
- Wooden organizers are mid-range but require proof of wood origin.
π° III. 2026 Latest Tariff Rate Breakdown (Detailed Analysis)
β Applicable Market: USA (US)
β Country of Origin: China (CN)
β Effective Date: 2025β2026 Import Cycle (Includes Section 232, 301, and Section 301 "122 Clause")
π― 1. Plastic Category (3926.90.10.00 & 3926.90.99.89)
The most common classification for mass-produced card organizers.
| Item | Content |
|---|---|
| Base Tariff | 3.4% (for .10.00) / 5.3% (for .99.89) |
| Section 301 (Added Tariff) | +7.5% |
| "122 Clause" Tariff | +10.0% |
| Total Tax Rate | 20.9% (Lowest) / 22.8% |
| Calculation | CIF Value Γ 20.9% |
| De Minimis (Section 321) | NO β (Plastic organizers generally exceed thresholds or are excluded from de minimis if classified under specific 301 lists). |
π Explanation:
- The 7.5% is the standard Section 301 tariff for Chinese goods.
- The 10% is a specific "122 Clause" tariff often applied to specific sub-categories of consumer goods.
- Strategy: Plastic is the safest bet for low-duty entry.
π― 2. Textile/Leather Category (4202.92.93.15 & 4202.92.60.10)
High-risk, high-cost category for fabric, canvas, or leather-card holders.
| Item | Content |
|---|---|
| Base Tariff | 6.3% (for .60.10) / 17.6% (for .93.15) |
| Section 301 (Added Tariff) | +25.0% (Significantly higher!) |
| "122 Clause" Tariff | +10.0% |
| Total Tax Rate | 41.3% / 52.6% (Highest) |
| Calculation | CIF Value Γ 41.3%~52.6% |
| De Minimis | NO β |
π Explanation:
- The 25% Section 301 tariff is punitive for textile-based travel goods and containers.
- A $10 organizer could incur $5.26 in tax alone.
- Strategy: Avoid classifying fabric card holders under4202unless the product is genuinely high-value (e.g., luxury leather).
π― 3. Wood Category (4420.90.80.00)
For handcrafted wooden card wallets.
| Item | Content |
|---|---|
| Base Tariff | 3.2% |
| Section 301 (Added Tariff) | +25.0% |
| "122 Clause" Tariff | +10.0% |
| Total Tax Rate | 38.2% |
| Calculation | CIF Value Γ 38.2% |
| De Minimis | NO β |
π Explanation:
- Similar to textile, wood containers face the 25% penalty tariff.
- The low base rate (3.2%) is offset by the high added tariffs.
π οΈ IV. Customs Clearance Practical Advice (Avoiding Pitfalls)
β 1. Material Declaration is King
| Action | Requirement |
|---|---|
| Submit Spec Sheet | MANDATORY: Must explicitly state material composition (e.g., "100% TPU Plastic," "Canvas," "Bamboo"). |
| Photos | Must show texture. If it looks like leather but is plastic, declare as Plastic to save 30% tax. |
| Composition | If mixed materials (e.g., Plastic frame + Fabric pocket), declare the primary material or split the shipment. |
β 2. Smart Declaration Strategy (The "Tax Hack")
π₯ Rule of Thumb: "Plastic Wins, Textile Loses!"
| Scenario | Correct Strategy | Wrong Strategy |
|---|---|---|
| Synthetic Leather | Declare as Plastic (TPU/PVC) β 21% Tax | Declare as "Leather/Textile" β 52% Tax |
| Mixed Material | Declare based on main structural component | Declare as "Textile" to be safe β High tax |
| Small Size | If under $800 (Section 321), check eligibility for de minimis (often blocked for these codes) | Assume de minimis works for all |
| Naming | Use "Plastic Card Holder" or "PVC Organizer" | Use generic "Card Case" (triggers manual review) |
β 3. Special Cases Handling
| Situation | Advice |
|---|---|
| Luxury Leather Card Holder | Be prepared for 52.6% tax. Consider sourcing from non-China countries if possible for tariff benefits. |
| Bamboo/Wood | Must provide FSC Certificate or wood origin proof to avoid "Timber Act" violations. |
| Smart Card Organizers (with NFC/Bluetooth) | WARNING: This may shift classification to Electronic Devices (85)! |
π V. Global Market Comparison (2026 Overview)
| Market | Recommended HS Code | Est. Total Tax | Certification |
|---|---|---|---|
| πΊπΈ USA | 3926.90.10.00 (Plastic) |
20.9% | FCC (if electronic), RoHS |
| π¨π³ China | 3926.90.10.00 |
5.3% | CCC |
| πͺπΊ EU | 3926.90.10.00 |
3.0% | CE (if electronic) |
| π¬π§ UK | 3926.90.10.00 |
3.5% | UKCA |
| π―π΅ Japan | 3926.90.10.00 |
4.0% | PSE |
π Conclusion:
- USA is the most expensive market due to the Section 301 + 122 Clause combination.
- Plastic classification is the only way to mitigate costs in the US market.
π VI. Common Mistakes & "Bloodline" Lessons
β Mistake 1: Calling a "Synthetic Leather" organizer "Leather"
π Consequence: Tax jumps from 21% to 52% β Profit Margin Destroyed!
π Fix: Declare as "Polyurethane (PU) Plastic."
β Mistake 2: Assuming "Small Size" = Tax Exemption
π Consequence: HS Codes 3926 and 4202 often exclude Section 321 de minimis if not on theθ±ε
list.
π Fix: Always check the specific 321 exclusion list for your HS Code.
β Mistake 3: Missing Material Composition on Invoice
π Consequence: Customs holds shipment for inspection β Demurrage Fees!
π Fix: Invoice must say: "Material: 100% TPU Plastic."
β Correct Declaration Example:
"Card Organizer, Model: Alpha, Material: 100% Thermoplastic Polyurethane (TPU), Size: 9x5cm, Color: Black."
π― VII. Final Verdict: Professional Shipping Strategy
π― Golden Rule:
πΉ "Plastic is King, Textile is Tax!"
πΉ "Material defines Rate, Name defines Risk!"
πΉ "Check the 122 Clause before you ship!"
π Pro Tip:
If your product is wooden, consider sourcing from Vietnam or Thailand to avoid the 25% Section 301 penalty applied to Chinese wood goods.
π£ Action Plan:
π Verify Material: Is it Plastic, Wood, or Fabric?
π Declare Precisely: Use specific material names on invoices.
π Calculate Total Cost: Base Tax + 7.5% + 10% (for Plastic) OR 25% (for Textile/Wood).Don't let a 50% tariff wipe out your margin on a $10 product!
β¨ Precision Classification = Maximum Profit!
πΌ Every HS Code Choice is a Financial Decision!
Customer Reviews
About HS Code Classification
The Harmonized System (HS) is an internationally standardized nomenclature developed by the World Customs Organization (WCO) to classify traded products. Over 200 countries use the HS system as the basis for customs tariffs, trade statistics, and import/export regulations.
Each HS code follows a hierarchical structure:
- Chapter (2 digits) β Broad category of goods (e.g., Chapter 84: Machinery and Mechanical Appliances)
- Heading (4 digits) β More specific grouping within the chapter
- Subheading (6 digits) β Internationally standardized breakdown, used by all WCO member countries
- National subdivisions (8-10 digits) β Country-specific extensions for further classification, such as US HTSUS 10-digit codes
Correct HS code classification is essential for smooth customs clearance, accurate duty payment, and compliance with trade regulations. Misclassification can lead to customs delays, overpayment of duties, or penalties.
When importing from CN to US, the applicable tariff rates may include:
- Most-Favored-Nation (MFN) rate β The standard duty rate applied to WTO members
- General rate β Applied to countries without trade agreements
- Trade remedy duties β Additional tariffs such as Section 301 (anti-dumping), Section 232 (national security), or countervailing duties
The information provided on this page is for reference purposes only. For official classification, please consult with your local customs authority or a licensed customs broker.