Most credit card interest refund conditions are similar. Under normal circumstances, credit card interest refunds must meet the conditions for credit card application for interest refunds, such as breach of contract due to force majeure factors and the unpaid overdraft amount being charged. Compound interest, unreasonable service management fees, etc., just contact the card issuing bank to apply for an interest refund. If the bank does not agree with the application, you can try to call the bank or complain to the China Banking and Insurance Regulatory Commission. The overcharged interest can usually be refunded. If there is overdue behavior, the user will need to pay a certain amount of penalty interest to the bank, and the penalty interest is usually non-refundable. "But China is using it more now and withdrawing less (as far as I know).