These things lack effective legal supervision, with routines and traps. I hope to be cautious. Credit card interest recovery is real. The relevant notice of the People's Bank of China on credit card business pointed out that the collection of late fees, annual fees and other fees should be cancelled, and the penalty should be agreed with the cardholder. Therefore, everyone comes to the bank to negotiate and negotiate to refund interest according to this regulation. Basically, it can be refunded, but it takes some words and patience.