In addition to the annual fee, there are also fees for cash withdrawals and credit card payments.

1. Credit cards all have annual fees, but most of them waive the annual fee for the first year, and then the annual fee for the next year is waived after the number of card swipes meets the requirements (except for platinum cards and some car owner cards);

2. Cash withdrawal by credit card:

Cash withdrawal by credit card overdraft:

Handling fee: Each bank has different regulations. For example, the domestic CCB credit card charge is 0.5 of the cash withdrawal amount, the minimum RMB 2 per transaction, up to RMB 100 per transaction; domestic cash withdrawals with China Merchants Bank credit cards are charged at the amount of RMB 1, with a minimum of RMB 10 per transaction;

Interest: Calculated at 0.05% daily interest.

Withdrawal of overpayment by credit card: Some banks need to charge handling fees, while others do not.

3. Use credit cards to make purchases at POS machines:

Repay in full on time, interest-free;

Pay the minimum repayment on time, with daily interest of 10,000 yuan 5. Collect;

For overdue repayment, in addition to the above-mentioned interest, there are also late fees.