Credit cards are products of banks, and generally there will be no arbitrary charges. Although credit cards can be overdrawn without interest, they can only be enjoyed if they are fully repaid when they are consumed. If you withdraw cash by credit card, or only pay the minimum amount/not fully repaid/not repaid after consumption, interest will be generated.

Credit card interest is calculated on a daily basis, with a daily interest rate of 0.5 ‰. If the arrears are not fully paid off this month, compound interest will be calculated next month. After a long time, it is normal for interest to exceed the principal. If you want to deal with it, the only way is to pay it back. Cardholders can try the following two repayment methods to stop the credit card from calculating interest.

1. Full repayment: After checking the deposit and property of the cardholder, if the deposit is sufficient for repayment, or the assets can be realized, the cardholder can collect enough repayment money and pay off the credit card debt at one time. My repayment ability is limited, but my family's financial ability is not bad. Ask for help from home, or borrow money from relatives and friends to repay, and pay it off as soon as possible, so that the interest will not keep rolling.

2. Negotiated repayment: If you are unable to repay and don't want to increase credit card interest, you can contact the bank for negotiated repayment. If you can get enough principal, you can negotiate to reduce interest. If you can't get enough principal, you can negotiate installment repayment. As long as the negotiation is successful, no interest will be generated, provided that the subsequent repayment can be made on time and cannot be overdue.