1. If the cardholder can repay the credit card bill in full every month and fails to withdraw cash, no interest will be generated.
2. If the cardholder uses the credit card, the bill will be divided into installments and cash withdrawal, which will lead to different interest and handling fees. The longer the installment period, the more interest expenses will be generated.
3. If the cardholder cashes with a credit card, there will be a certain handling fee, and the proportion of handling fees charged by each bank is different.
4. according to article 7 of the measures for the supervision and administration of credit card business of commercial banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.