1. handling fee: 1% of the transaction amount, with a minimum of RMB 1 yuan per transaction. However, the handling fee for withdrawing cash in RMB from YPOWER Credit Card and Tianya Mingyue Knife Credit Card is as low as that for each transaction in 5 yuan, regardless of the peers' cross-bank and different places.
2. Interest: Bank of Communications does not enjoy the interest-free period when withdrawing cash from its credit card. Its interest is calculated from the day of bookkeeping, and it is charged at the rate of .5 ‰ per day until the day before repayment, and compound interest is charged monthly.