The main source of money for banks to make money by issuing credit cards is high interest rates. Once the user exceeds the interest-free repayment time, high interest will be charged, usually 0.05% per day.

The more common online platforms in China include: UnionPay Online, Kuaiqian, Shengpay, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

This method mainly completes repayment through the "Lakala" smart payment terminal installed in convenience stores. It usually takes 2 to 3 working days to receive the payment. At the same time, repayment using this method is free of charge. A handling fee is charged. Extended information

Improper storage and handling of cards (expired credit cards with invalid tapes are not destroyed, or lost cards are not immediately invalidated, etc.), and personal identity information is unintentionally stolen or defrauded. To avoid such problems, citizens should not easily provide personal identity information to others, and it is best not to entrust others to handle credit cards on their behalf.

The service staff overcharged the cardholder's credit card information during the purchase process, or stole his or her credit card information to make purchases at other merchants. This situation can happen whether it is a physical merchant or an online virtual merchant.

Baidu Encyclopedia-Credit Card