About 12 percent.

The interest rates of credit cards vary according to different banks and different card types. As of December 25, 2023, the annual interest rate of most credit cards is around 12%, and some credit cards even exceed 18%.

The interest rate of a credit card includes two parts: the annual interest rate and the installment fee. The annual interest rate refers to the interest generated by the cardholder's failure to repay the loan in full and on time, which usually occurs when repaying the loan overdue or withdrawing cash. The installment fee rate refers to the fee incurred by the cardholder when he chooses to pay in installments, usually after consumption. A lump sum is charged when repaying the loan in installments.