In today's society, credit cards are becoming more and more popular, and more and more people hold credit cards, but do you know? Credit cards also have "invisible" fees. If you don't pay attention, you will pay more, so we still need to know in advance.

What are the hidden charges for credit cards?

1, the bill is in installments, and there is a handling fee for prepayment:

After credit card installment, if you decide to repay in advance, if the installment fee is paid monthly, then the remaining expenses need to be made up; If the handling fee is paid in one lump sum, it will not be refunded. In other words, customers apply for installment payment, and they have to charge a handling fee.

2. Installment payment is actually inevitable:

Many merchants like to cooperate with banks to launch interest-free shopping with credit cards. When people buy it, it seems interest-free, but in fact, the handling fee becomes interest.

3. Credit card with existing interest:

As mentioned earlier, there is a charge for cash withdrawal, but if you use a credit card to withdraw cash urgently, it is equivalent to overdraft cash withdrawal and you can't enjoy interest-free treatment. The interest of five yuan a day is still relatively high. If you can spend directly, it is more cost-effective to swipe your card directly.

4. Credit cards cannot be used as savings cards:

Most credit cards cannot be equated with savings cards. Some friends accidentally overpaid thousands of dollars on the bill. If you want to withdraw this money, some banks will withdraw it for the first time every month without charge. Some banks charge a certain percentage, the lowest is 10 yuan.

So you should pay attention to the charging method of your credit card, whether it is free of charge.