Minsheng bank savings card has interest, and credit card takes the existing interest. Minsheng Bank savings card demand deposit is 0.36%; The monthly interest rate is 0.36%-12 = 0.03%; The daily interest rate is 0.36% ÷ 360 = 0.001%; Interest = principal × interest rate × term. Minsheng Bank credit card interest is calculated at the daily interest rate of 0.05%. If you use a credit card, you can enjoy an interest-free period without paying interest as long as you can repay in full and on time. If you withdraw cash by credit card, you can't enjoy the interest-free period, and the interest needs to be repaid in full.