The annual fee of 1. is one of the basic fees of credit cards, which is charged annually. Generally, there are several kinds of annual credit fees, such as annual fee exemption for credit cards, annual fee redemption for points, and rigid annual fee collection. For details, please refer to the article "How much do you know about the annual credit card fee? Look here! The general amount is from 0 yuan, 200 yuan, 300 yuan, 500 yuan, 800 yuan, 1000 yuan, 1800 yuan, 3,000 yuan, etc.

2. Card swiping fee: According to national regulations, card swiping fee can be divided into public welfare (0 rate), concession (0.38% rate) and standard (0.6% rate). When we use a credit card to spend money in a merchant, according to the different types of merchants, we deduct the expenses actually received by the merchant from the amount we spend. (Handling fee = credit card amount * credit card rate). If it is normal consumption, we don't need to bear the cost of this piece.

3. Installment fee: After spending by credit card, especially after spending a large amount, if we are short of funds or receive a phone call from the bank, we will be told that installment can reduce the repayment pressure, and some people will choose installment after they have the opportunity to raise the amount. At this time, you need to bear an installment fee.

Many people often apply for loans for emergency when the capital turnover is not open in their lives. Baidu has money to spend: Du Xiaoman's micro-credit loan has a maximum amount of 200,000, a maximum loan period of 24 months, and an annual interest rate as low as 7.2%. The specific interest rate is subject to the loan page. Be able to borrow and repay flexibly, apply online all the time, without guarantee and mortgage. The results will come out in a few minutes at the earliest after submitting the application, and you can get the money on the same day after passing it.

References:

Du Xiaoman has money to spend on official website.

1. Credit card: Credit card, also called debit card, is a credit certificate issued by commercial banks or credit card companies to eligible consumers. It is a card with 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 specialized 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 limits.

2. Credit card type: bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs. Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.