After the user chooses the minimum repayment, the bank will charge .5% interest on the remaining unpaid credit card from the due date, for example, the original repayment amount is 11, yuan per month. After choosing the minimum repayment and repaying 1,1 yuan, the daily interest will be .5% * 9,9, that is, 4.95 yuan per day and 148.5 yuan per month. Although the minimum repayment is not overdue, the interest is high and it is only suitable for emergency use.

a credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to a consumer with qualified credit. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

China's relevant laws ("the NPC Standing Committee on <; Criminal Law of the People's Republic of China > The credit card stipulated in the Interpretation of Credit Card Regulations refers to an electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. On December 1, 217, the Standard for English Translation and Writing in Public Service Field was officially implemented, stipulating that the English name of the Credit Card standard is Credit Card.

Compared with ordinary bank savings cards, the most convenient way to use a credit card is to make ordinary consumption without cash in the card. In many cases, it is only necessary to return the amount of consumption on time.

you can overdraw your consumption without deposit, and you can enjoy an interest-free period of 2-56 days. You can repay the money on time without any interest (most banks will charge .5% interest on the day of cash withdrawal, and there is a 2% handling fee, while ICBC will charge no handling fee and only interest).

swiping your card while shopping is not only safe and convenient, but also a bonus gift.

special merchants who hold cards in banks can enjoy discounts.

accumulate personal credit, and add a credit record to your credit file, which will benefit you for life.

it is barrier-free to pass through the whole country, and you can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo; (Remarks: Credit cards are only suitable for spending credit cards, and it is best not to withdraw cash, which is very expensive and uneconomical)

Credit card spending, some credit cards taking existing points, and various discounts and lottery activities throughout the year will make you feel pleasantly surprised at all times as long as you use the card; (Most credit cards pay online without points, but online shopping payment is very convenient and fast.)