Is it three percent or three thousandths? The so-called "handling fee of 3%" means 3% or three thousandths of the total consumption. If it is 3%, the consumption is 1 ten thousand, and the handling fee is 300; If it is three thousandths, the handling fee is 30.

The daily interest rate is 5/ 10000, and the annual interest rate is 5/ 10000 *360 days (the bank interest rate is changed to 360 days per year), which is converted into the annual interest rate 18%. In the same period, the annual interest rate of bank loans is generally 7.2%- 12%, that is, the monthly interest rate ranges from six thousandths to 1%, that is, 6%-1 minute.