Credit card interest rates are high.

1. The annual interest rate of credit cards is higher than that of Huabei. The annual interest rate of credit cards is 18%, while the annual interest rate of Huabei is 14%.

2. The interest-free period of credit cards is shorter than that of Huabei. The interest-free period of credit cards is 20 to 50 days, while the interest-free period of Huabei is 30 to 40 days.