Just swipe the POS machine, and the credit card will take the existing handling fee, with a daily interest of five ten thousandths. Generally, there are several handling fees for brushing pos machines, and there is no interest on repayment on time. Personally, I think it's better to brush the POS machine.

Credit card swiping is the basic function of credit card. Credit card spending can enjoy interest-free period. Interest-free period means that you don't have to pay any interest if you pay off all the consumption money before the final repayment date. The interest-free repayment period is 20 days to 50 days, depending on the specific time of your consumption. If your consumption is before the current bill date, it will be included in the current bill; You can enjoy a longer interest-free period if you include it in the next bill after the bill date. Cash withdrawal: According to the relevant regulations of the People's Bank of China, the daily cumulative cash withdrawal of each card in China does not exceed RMB 2,000; The daily cash advance of each overseas family shall not exceed the equivalent amount of US$ 65,438+0,000, US$ 5,000 within 65,438+0 months and US$ 65,438+0,000 within 6 months. Borrowing cash in advance will generate corresponding handling fees and interest. Handling fee: RMB in China is calculated as per cash advance 1%, and the minimum cash advance charge is 10 yuan; overseas (including Hong Kong, Macao and Taiwan) is calculated as per 3% of cash advance, and the minimum cash advance charge is 30 yuan or USD 3; Interest: advance cash transactions do not enjoy interest-free repayment. From the trading day, interest will be charged at the daily rate of 0.5 ‰ until the settlement date, and the interest will be compounded monthly.

At present, the credit card centers of various banks implement the rate standard ranging from 0.5% to 3% for credit card holders to withdraw cash, and will also charge five ten thousandths of interest per day for the withdrawal amount, which will be accumulated according to the actual number of days. For example, if the cardholder withdraws 10000 yuan by credit card, and the interest rate of credit card withdrawal stipulated by the bank is 1%, then after 10, the cardholder needs to pay10000× 0.05 %×10000 yuan more for this withdrawal amount. If you wait until the next repayment date, the interest charged by rolling will be more.