Most bank credit cards charge a one-time transaction fee of 1%, but the withdrawal interest is calculated in the same way. The bank charges fees on a daily basis, from the date of withdrawal to the day before the date of repayment.

1. If all the bill amount is paid off on the final repayment date, you don't need to pay any interest and late fees, and you can enjoy the interest-free period given by the bank; If the bill of the current month is not fully paid off, and there is no interest-free period, all the consumption should be calculated with interest of five ten thousandths per day from the day you spend it, with daily interest and monthly compound interest.

2. if the due repayment date is not enough, even if the user has paid back 4999, and there is one yuan left, the interest will be calculated from the day when the user swipes the card to the day when the user pays back 4999, and then the interest will be calculated as one yuan. Example: The billing date of the user is 1th, and the due repayment date is 29th. If the user swipes 5 yuan on January 11th, then the monthly settlement date of the user is February 1th, and the due repayment date is February 29th. If it is still 4999 on February 29th, the interest will be calculated from 5 yuan on January 11th to February 29th, and then one yuan will be calculated on February 29th. Specific formula: 5*.5*49 days +(5-4999)*.5*1 days = interest on March 1th.

3. Credit cards enjoy an interest-free period of 25-56 days (or 2-5 days). Credit card consumption enjoys an interest-free period, and the bill amount will be paid off before the due repayment date, and no expenses will be incurred. Once the interest-free repayment time is exceeded, high interest will be charged, which is usually calculated on a daily basis. The daily interest rate is five ten thousandths, which translates into an annual interest rate of 18.25%. There is no interest-free repayment period for credit card withdrawal, and five ten thousandths of daily interest is charged from the day of withdrawal, and the bank will also charge a certain percentage of withdrawal fee.

4. A credit card is a credit certificate issued by a commercial bank or a credit card company to a qualified consumer. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

5. Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can spend first and then repay; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.