I'm speechless. You must have misunderstood. Credit cards have an interest-free period. As long as you repay on time before the repayment date, you won't be charged interest. When you say that you charge interest at .5% of the amount, you mean to withdraw cash. There is no interest-free period for any bank's credit card withdrawal, and the rate is .5% of the daily interest (unless the bank has preferential activities). As for the annual fee, it doesn't matter. One kind of credit card is free of annual fee, which means how much you spend in the annual fee cycle, just like you said, when you spend 1 thousand. The other kind is free of annual fee, which has nothing to do with the amount, even if you spend 1 yuan each time as long as you spend enough times, you still need to consult customer service.