The full name of credit card service fee is value-added service fee. That is to say, cardholders need to pay extra service fees when they open other credit card services. For example, credit card protection services, bill SMS reminder services, worry-free card use services, etc. After these services are activated, the bank will charge the fees required for these services, which are value-added service fees.

If you don’t want to incur this service fee, you can not activate these value-added services that require additional charges. You can also activate the required services according to your own needs. If you need to cancel after activation, you can go to the bank to handle it or call the customer service hotline to inquire.

Taking WeChat and Alipay as examples, the service fee for credit card repayment is:

1. WeChat: Each WeChat credit card repayment will charge a service fee of 0.1 of the repayment amount. . The amount of the service fee is calculated to two decimal places, with a minimum of 0.1 yuan. At the same time, the service fee is paid together with the repayment amount.

2. Alipay: Individual users can enjoy a basic free repayment limit of 2,000 yuan per month. After the free limit is exceeded, a service fee of 0.1 will be charged for the excess. If the single service fee is less than 0.1 yuan , charged at 0.1 yuan. At the same time, after users have used up the basic free quota, they can use Alipay membership points to redeem more free quota.

According to different repayment methods, credit cards can be divided into credit cards and quasi-credit cards

(1) Credit cards. When the card-issuing bank provides bank credit, it is first used as an overdraft, and then repaid or paid in installments. Most of these cards are used internationally. That is to say, the way that cardholders are allowed to pay off their credit card accounts without deposits is "spend first, deposit later". Most of these cards are used internationally.

(2) Quasi-credit card. It refers to a credit card in which the cardholder must first deposit a certain amount of reserve fund as required by the card-issuing bank. When the balance of the reserve fund account is insufficient for payment, the cardholder can overdraw within the credit limit specified by the card-issuing bank, but the overdraft part will be calculated from the day of overdraft. Interest is charged and does not enjoy the interest-free period (quasi-credit cards do not require a deposit).