The interest rate for credit card borrowing is determined by the charging standards of the card-issuing bank and the type of borrowing. Take the Bank of Communications credit card and borrow 1,000 a month as an example:

1. Credit card cash withdrawal: the interest rate is 0.05%, the interest is 1,000×0.05%×30=15 yuan, and the total payment is 1,015 yuan .

2. Haoxiangdai: The interest rate is 0.72%, the interest is 1000*0.72%=7.2 yuan, and the total payment is 1007.2 yuan.

3. Haoxian Loan: The interest rate is 0.75%, the interest is 1000*0.75%=7.5 yuan, and the total payment is 1007.5 yuan.