What are the fees for credit cards:

1. The annual fee is one of the basic fees of a credit card. It is a fee charged on an annual basis. The annual credit fee is generally free of annual fee and free of charge when swiping the card. There are annual fees, annual points redemption fees, rigid annual fees, etc. For details, please refer to the article "How much is the annual fee for a credit card? See here!" 》. The amount generally ranges from 0 yuan, 200 yuan, 300 yuan, 500 yuan, 800 yuan, 1,000 yuan, 1,800 yuan, 3,000 yuan, etc.

2. Card swiping fees: According to national regulations, card swiping fees are divided into public welfare categories (0 rate), preferential categories (0.38% rate), and standard categories (0.6% rate). When we When using a credit card to make purchases at a merchant, depending on the type of merchant, the actual fee received by the merchant is after deducting the consumption fee from the amount we consume. (Handling fee = card swiping amount * card swiping rate). If it is normal consumption, we do not need to bear this cost.

3. Installment fee: When we use a credit card to make a purchase, especially after a large amount of consumption, if funds are tight or we receive a call from the bank, informing us that installment can reduce the repayment pressure. And after having the opportunity to increase their quota, some people will choose to make installments. At this time, we need to bear an installment fee.

Many people often apply for emergency loans when they have difficulty with cash flow in their lives. Baidu has money to spend: Du Xiaoman's small credit loan has a maximum limit of 200,000, a maximum loan period of 24 months, and an annual interest rate as low as 7.2%. The specific interest rate is shown on the loan page. You can borrow and repay flexibly at any time, apply for the whole process online, and there is no guarantee or mortgage. Submit the application and get the result within a few minutes. Once approved, you can get the money on the same day.

Reference material: Du Xiaoman Youqianhua official website

1. Credit card: Credit card, also called credit card, is a credit card issued by a commercial bank or credit card company to consumers with qualified credit. prove. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

2. Credit card type: bank card. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs. Not a bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., and are used for purchasing tickets, meals, accommodation, entertainment, etc.