1. You take your card to the ATM to withdraw the handling fee and interest. (quite high, not recommended)

2. Your card is swiped in shopping malls or other places where you can swipe your card, and the merchant has to pay the bank. (Very low, such as 4 cents at a time)

The minimum repayment amount can be repaid, and the rest will be charged with interest.

If you use your card after the repayment period, you must pay a late fee. (The fee is 5% of the minimum repayment amount, with daily interest. )

The most terrible thing is that if you use it improperly, your bank credit will decline and the bank can't give you any more loans.

In other words, giving you a credit card today depends on your ability to control money. For those who have the ability to control money, the bank will give you more money to play.