1. Generally, interest will be withdrawn by credit card in three cases, and interest will be calculated according to compound interest, which is very expensive; Overdue repayment will not only impose penalty interest, but also affect credit. Both situations should be avoided as far as possible. It is best not to pay only the minimum repayment amount, although it will not affect the credit, but the interest is calculated according to the current bill amount, and the cost is also very high.

2. Annual fee. At present, most credit cards are exempt from annual fees if they are swiped several times a year. In general, it is very easy to reach this standard. Anyone who doesn't buy things several times a year just needs to remember to swipe his card when spending.

3. handling fee. At present, although many credit card businesses indicate that they do not charge interest, they charge a handling fee. Cardholders should pay more attention. At present, the two businesses with more handling fees are overdraft cash withdrawal and installment payment. Before using these two items, cardholders must first understand the charging standards.