Credit card charging standards mainly include annual fees, cash withdrawal fees and interest, and installment fees. The following is a detailed description of each fee:

1. Annual fee: Most credit cards charge a fixed annual fee of about 100 yuan every year, but some banks have annual fee-free policies based on the consumption limit. This fee can be waived after a certain number of purchases.

2. Cash withdrawal fees and interest: When withdrawing cash, the bank will charge a handling fee of 1% to 2% of the cash withdrawal amount, and interest will be calculated at a daily interest rate of 5/10,000 starting from the day of withdrawal. This means that even if you are within the interest-free period, once you make a cash withdrawal, not only will interest accumulate, but you will also need to pay additional handling fees.

3. Installment fees: Installment fees vary depending on the bank and the number of installments. The rate per installment usually decreases as the number of installments increases, but the total cost increases accordingly. Please consult bank customer service for specific rates to obtain accurate information.

It should be noted that cash withdrawals and installments will increase the cost of using credit cards. Therefore, it is recommended that cardholders try to avoid cash withdrawals and unnecessary installments in daily consumption unless necessary to save costs. At the same time, ensure timely repayment to avoid excessive accumulation of interest.

The above information comes from relevant reports from People's Daily Online. Consumers are reminded to fully understand the charging rules of credit cards when making purchases during the Spring Festival in order to make economically reasonable decisions.