Credit cards have annual fees, credit card interest, installment fees, loss reporting fees and other expenses. Among them, only the credit card interest is the same for all banks, calculated at the daily interest rate of 0.05%, while the annual fee, installment fee, loss reporting fee and other expenses are different for all banks.

The annual fee of credit card is related to the credit card level, among which the annual fee of general card is the lowest, the annual fee of gold card is higher than that of general card, and the annual fee of platinum card is higher. The installment fee of a credit card is related to the number of installments. The more staging times, the higher the cost.