It is free to apply for a credit card. There is no charge for applying for a credit card online or at a bank branch. The entire process from applying for a credit card to activating the card is free of charge. Anyone who encounters charges is a scam.

General credit card charges are as follows:

1. Loss report fee

If you lose your credit card, report it to the bank as lost, which is 50 yuan per time.

2. Overdraft withdrawal, handling fees and interest. If you withdraw cash through an overdraft, you need to pay 0.5% of the withdrawal amount as a handling fee, with a minimum of 2 yuan and a maximum of 50 yuan. In addition, you need to pay 0.5% daily interest (equivalent to an annual interest rate of 18%)

3. Overpayment and withdrawal fees. If you deposit money in a credit card and then withdraw it, not only will you not pay interest, but you will also have to bear a handling fee. The handling fee standard is equivalent to the overdraft withdrawal handling fee.

4. Late payment fees. After a credit card payment is made, there will be a certain period of interest-free period. If you don't repay the money after the interest-free period, you will incur fees.

5. The fee includes handling fee and interest. The handling fee is 5% of the unpaid portion of the minimum repayment amount, with a minimum of 5 yuan, and the interest is 0.5% daily.

6. Annual fee. Every credit card requires an annual fee, ranging from dozens of yuan to thousands of yuan. However, under normal circumstances, the annual fee can be waived by swiping your card. However, there are also some credit cards that cannot waive the annual fee regardless of the amount of card consumption, and cannot be offset by the amount and frequency of consumption.