2. If you have to borrow it, how to write the debit note for borrowing a credit card should indicate the loan amount (credit limit), interest rate, settlement method and cycle, and the annual interest rate should not exceed 24%. If you want to be higher, you can increase the handling fee or management fee and control the annual fee within 6%.
3. It is suggested to borrow in the form of a loan contract, and indicate the repayment items (monthly).
Finally, I want to remind you that such IOUs or contracts are really not recognized by law.