First of all, before we refund the interest and fees, we must first calculate whether we have any annual fees, because every credit card is different. Some cards have no annual fees after swiping three times, but Some cards will deduct our annual fee. The most common annual fees are 1100, 800, 500, 200, etc., some are less and some are more.

Then there is also whether there is a telesales fee. What the telesales fee means is whether the bank customer service will take the initiative to call us and let us handle the installment, promising that our credit limit will be increased after the installment.

The last thing is our monthly minimum repayment, how much interest the minimum repayment carries every month, and how long we last for the minimum repayment. We can all calculate this.

The reason why we need to calculate these fees is because we need to have sufficient reasons to be able to refund our interest fees like a bank, because we cannot refund them without sufficient reasons. Let’s use an analogy. , we have earned other people's money and then you are definitely not willing to take it back from you. The same is true for banks. It is more difficult for us to get money out of the bank, so we must have sufficient reasons to successfully refund our interest fees.

The second step is: I called the bank’s customer service number and insisted that their charges were unreasonable. They didn’t tell us or give us any reminder when they charged us interest. For example, when we go to the store to buy things, the prices are clearly marked, but your bank did not say anything or remind us, and charges us fees indiscriminately. In addition, your customer service promised that we would increase the amount after the installment, but did not mention it. It's not a scam! Demand that all our interest be refunded. Afterwards, the customer service said that their charges were reasonable and that we were just trying to be rogue with them anyway. If they didn't agree to refund our charges, it would be like filing a complaint with the China Banking and Insurance Regulatory Commission.