At present, there are two ways to charge credit card bills: installment and one-time charge. The former is that the bank charges a monthly fee and the principal of each period; The latter is a one-time charge for all phases of the first phase.

In either case, the prepaid handling fee will not be refunded, and the regulations of other institutions are different.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

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.

The advantages of credit cards are as follows:

1, there is no deposit for overdraft consumption, and you can enjoy an interest-free period of 20-56 days. Repayment can be made on time without any charge (most banks will charge 0.05% interest and 2% handling fee on the day of withdrawal, while ICBC will charge no handling fee but interest).

2. It is not only safe and convenient to swipe your card when shopping, but also a bonus gift.

3. Special merchants who hold cards in banks can enjoy preferential treatment.

4. National access is barrier-free, and you can withdraw money or spend money on ATMs and POS machines with UnionPay logo.

5, credit card consumption, some credit cards get existing points, all kinds of discounts and lottery activities throughout the year, so that you can always have surprises as long as you use the card.

6. Unique supplementary card function, suitable for husband and wife to jointly manage their finances or master their children's financial expenses.

7. The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.

8400 telephone or 5-digit short number with prefix 9 provides 24-hour service, and loss reporting takes effect immediately, with zero card loss risk.

9. Use the third-party platform for business cooperation and provide preferential services for cardholders.