Bank credit cards generally do not need to deduct money every month. Most bank credit cards deduct money by year. Deduction fee is:

1, SMS fee: Some banks are free, such as Industrial and Commercial Bank of China.

2. Annual fee of credit card: Ordinary credit cards are free of annual fee for 3-5 swipes, and special credit cards need to charge annual fee no matter how many swipes.

3. Cash withdrawal by credit card, overdue fee and interest fee.