1. The annual fee is charged only after you activate it yourself.

2. There is no interest-free period for this card. Interest is like you said. The bank does not charge any handling fees for cash withdrawals. The fees for choosing a different bank will depend on your specific bank.

3. The billing date is once a month. After using it before and after using it, I have to settle the account once a month. Since there is no interest-free period. It’s best to control the time of use yourself. If you pay it back early, the interest will be less and less.

4. This card needs to be exchanged for principal and interest every month. The principal can be repaid in installments. At least 10% of the principal must be repaid

5. This card is only suitable for short-term business turnover needs. It would be better to repay as soon as you have sufficient funds. You have to control your own pace. There is still good help out there.

6. As long as the card is not activated, it has no auxiliary review value.