1. If you are not overdrafted, the bank will not bill you, but generally credit cards are free of annual fees in the first year, and if you use them a certain number of times or a certain amount, you will be free of annual fees in the following year. If you don't use them all the time, Pay attention to when the bank will charge you the annual fee

The poster does not need to pay attention to the repayment date, because if you are not overdrawn, you do not need to repay the loan

2. If you If you are overdrafted, the bank will settle your bill on the statement date, and then you will pay it off in full according to the date on the bill, and no interest will accrue

3. If you are overdrafted and not paid off in full, the bank will Starting from the day after the final repayment date, you will be charged 0.05% interest every day, and you will also have to pay interest on the part you repaid

4. Don’t use your credit card as an ordinary bank card, you said The credit card is a credit card, and the card you usually use for deposits is a debit card

Let me tell you the difference between credit cards and debit cards

Credit cards are used to deposit money. The bank will not give you interest. Depositing money with a debit card will charge interest.

Withdrawing cash with a credit card will charge a handling fee, regardless of whether you withdraw it at a local ATM of the bank. There is no handling fee for local withdrawals with the card

There is no handling fee for credit card deposits and repayments nationwide, but there is a handling fee for debit cards to deposit money overseas

There are points for swiping credit cards, and the points can be exchanged for things on the website, but there are no points for swiping debit cards.

To sum up, credit cards are used to swipe cards, and debit cards are used to save money. Never use your credit card as a debit card, it’s not worth it