If the credit card is used in full, no interest will be charged during the interest-free repayment date. If the interest-free repayment date is exceeded, a late payment fee plus an interest of 0.5% per day will be charged. It's about 500 yuan per month. Check Baidu for the meaning of interest-free repayment date. If all is cash withdrawal, the cash withdrawal fee plus the interest of 0.05% per day will be about 100 yuan higher than the credit card payment, which is about 600 yuan. The above are all calculated on the premise that only the minimum repayment amount is paid each month.

Of course, if you swipe your card 5 to 8 times a year, the annual fee should be waived. If the annual fee is not waived, it should be between 100 yuan and 500 yuan per year.

Hope this helps