The card fee of credit card also includes withdrawal fee, which is simply withdrawal fee, mainly including service fee and loan interest. At the service fee level, the cash withdrawal amount of 1%-2% is deducted, while at the loan interest rate level, the loans overdue fee is calculated at the daily interest rate of 0.05%: if the credit card customer fails to repay on time within the repayment period, It is likely to cost loans overdue. Generally speaking, loans overdue fees are deducted at the daily interest rate of 0.05%. However, the method of "monthly rolling interest calculation" is adopted. In addition to the above fees, credit cards are likely to deduct business card printing fees. Credit card fees are so much.

1. The credit card has two main functions: one is to swipe the card and the other is to withdraw cash. The cost is different under different circumstances. If the cardholder spends 10000 yuan directly by swiping the card, the cardholder does not need to pay the handling fee. Users can enjoy an interest-free repayment period as long as they repay on time within the specified repayment period, and cardholders do not need to pay any interest and handling fees.

2. If the cardholder can't repay in full within the specified time, in order to avoid installment, the user can choose to handle installment or minimum repayment amount. Repayment in installments requires handling fees, which are different in different periods. If the user chooses to repay the minimum repayment amount, the interest fee will be paid. The interest is calculated at 0.05% per day, and the credit card can be repaid at most every month, and the low repayment interest is compounded monthly until the cardholder pays off all debts. Minimum repayment amount of credit card = consumption amount within the credit line × 10%+ cash overdraft transaction amount × 100%+ unpaid part of the minimum repayment amount in the previous period × 100%+ consumption amount exceeding the credit line × 100%+ all expenses and interest ×/kloc-0.

3. If the cardholder uses a credit card to withdraw cash, a handling fee will be charged according to a certain proportion of the cash withdrawal amount. Different banks have different cash withdrawal fees. For example, China Everbright Bank, Agricultural Bank and Bank of Communications charge a 2.5% withdrawal fee. Usually, the withdrawal fee is 1%-3% of the withdrawal amount, that is, the withdrawal fee of 10000 yuan is about 100-300 yuan. In addition to the handling fee, you need to charge 5/ 10000 interest every day for withdrawal.

4. Although the cardholder does not need to pay the service fee when using the credit card within the stipulated repayment date, the bank will charge the merchant the service fee. Different types of merchants charge different credit card collection service fees. If a cardholder uses a credit card to spend money in an ordinary merchant, the usual charging standard is 0.6%, that is, the cardholder uses a credit card to spend 10000 yuan, and the bank will charge the merchant a handling fee from 60 yuan. Consult the bank for specific suggestions.