1. There are fees on the card, such as various handling fees and annual fees. There are no text messages when fees are generated, but the amount will be reduced accordingly. For example, the annual fee for China Construction Bank's car card is exactly 200 yuan.

2. If the bill is not repaid in full, interest will accrue on the next bill. The interest will be recorded on the bill date. If the last time you swiped your card was before the bill date, and this time you swipe the card after the bill date, On the billing day, interest of about 200 yuan was generated, which would result in a difference of 200 yuan.

However, you still need to look at your bill to know the specific situation.