The charges for credit cards are as follows:

1. Loss report fee: If you lose your credit card, report the loss to the bank, it is 50 yuan per time. Replacement of cards is free.

2. Overdraft withdrawal fees and interest: If you withdraw cash by overdraft, you need to pay 0.5% of the withdrawal amount as a handling fee, with a minimum of 2 yuan and a maximum of 50 yuan, and an additional 0.5 % daily interest (equivalent to an annual interest rate of 18%).

3. Overpayment withdrawal handling fee: If you deposit money in a credit card and then withdraw it, not only will you not be paid interest, but you will also have to bear a handling fee. The handling fee standard is equivalent to the overdraft withdrawal handling fee.

4. Late payment fee: After a credit card payment is made, there will be a certain period of interest-free period. If you don't repay the money after the interest-free period, you will incur fees. The fee includes handling fee and interest. The handling fee is 5% of the unpaid portion of the minimum repayment amount, with a minimum of 5 yuan, and the interest is 0.5% daily.

5. Installment fee: Generally divided into 3 months, 6 months, 9 months, 12 months, 24 months, etc., no interest is charged, but 0.6%-0.7 is required every month % handling fee, after conversion, is equivalent to an annual interest of more than 7%.

6. Annual fee: Every credit card is charged an annual fee.

7. Currency conversion fee: Most dual-currency credit cards are USD/RMB accounts. If the cardholder makes transactions at VISA or MasterCard-marked merchants and ATM machines in non-USD countries, a fee will be charged during settlement. First convert the country's currency into US dollars, which will generate a currency exchange rate with a fee of 1%-1.5%, which is paid to the International Monetary Clearing Organization.