There are two kinds of fees in the banking system: first, the interest other than loans is collectively called fees. Such as: interest generated by installment repayment of credit cards, interest generated by overdue credit cards; Second, the cost of banking business.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.