Credit card interest directly occupies the credit card limit. For example, if your credit card limit is 10,000, you spend 1,000, and the interest is 10 yuan, then your remaining limit is 10,000-1,000-10=8,990 yuan. If you repay the amount The corresponding amount can be restored only after the account is settled.

Credit card usage fees:

1. Credit card cash withdrawal:

1. Credit card overdraft cash withdrawal:

A handling fee: stipulated by each bank Different, for example, China Construction Bank credit card is charged at 0.5 of the cash withdrawal amount in China, with a minimum of RMB 2 per transaction and a maximum of 100 yuan per transaction; China Merchants Bank credit card is charged at 1 of the cash withdrawal amount in China, with a minimum of RMB 10 per transaction;

B Interest: Calculated based on daily interest rate of 5/10,000.

2. Cash withdrawal for credit card overpayment: Some banks need to charge handling fees, while others do not.

2. Use your credit card to make purchases at the POS machine:

1. Pay the full amount on time, interest-free;

2. Pay the minimum payment on time, according to A daily interest of 0.05% will be charged;

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