Of course, it's cost-effective to swipe your card. There is no handling fee for spending by credit card. If you swipe your card the day after the bill date, you can enjoy interest-free repayment for up to 56 days. For example, your bill date is 15 every month. If you spend money by credit card in April 16, June 1 1 is your last repayment date. For those who spend money by credit card before April 15 and after March 16, May 1 1 is the final repayment date. And you can apply for installment payment when your YOUNGPOWER card is full in 500 yuan. If you withdraw the cash, you need to charge a handling fee of 5 yuan for the youth card, and there is still five ten thousandths of interest every day, which is not cost-effective. Bank of Communications spent 1 yuan 1 points by credit card, but did not withdraw cash. Credit cards are highly recommended.