Hello, 1. First call the manual customer service of the credit card center and ask for an interest refund. The customer service will definitely explain how the interest is deducted. It is best to find loopholes in their service, such as the penalty interest is not clear. SMS reminders, etc. In short, if you want a refund of interest and liquidated damages, the customer service will say that you need to apply to the above.

2. After a few hours or the next day, each bank is different. Customer service will call back and explain that their interest deduction is reasonable. If you continue to request an interest refund, customer service will say to apply again.

3. If you repeat this a few times, the customer service will agree to refund the interest, but it is definitely not possible to refund the entire amount, only part of it.

1: Classification of credit cards

1. According to different card issuers, they can be divided into bank cards and non-bank cards

(1) Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's designated merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

(2) Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions such as department stores and oil companies. Use it exclusively for shopping at designated stores or refueling at gas stations, and check it regularly. Travel and entertainment cards are credit cards issued by airlines, travel companies and other service industries and are used for purchasing tickets, meals, accommodation, entertainment, etc.

2. According to the different objects of issuance, it can be divided into corporate card and personal card

(1) Corporate card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal persons.

(2) Personal card. Personal cards are issued to urban and rural residents, including employees, cadres, teachers, scientific and technological workers, self-employed people and other urban and rural adult residents with stable sources of income. If you apply for a personal card in your own name, you will bear all the responsibilities for using the card.

3. According to the credit status of the cardholder, it can be divided into ordinary cards and gold cards

(1) Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, reputation and status, and the requirements for them are not high.

(2) Gold Card. A gold card is a high-end credit card that pays a high amount and enjoys special treatment. The issuance targets are those with high credit standing, strong repayment ability, good credit or a certain social status. The gold card has a higher authorization limit and a wider range of additional services, so the requirements for related service fees and guaranteed funds are also relatively high.