Minefield 1: Deposits are interest-free, and withdrawals are charged. Credit card deposits are interest-free, but withdrawals are charged! Not only are overdraft withdrawals charged, but overdraft withdrawals are also charged! The handling fee ranges from 1% to 3% of the withdrawal amount. Minefield 2: There is no interest-free period for overdraft withdrawals. The reason why many people choose credit cards is because there is an interest-free period of up to one month for overdraft purchases with credit cards. However, consumers should pay attention when using credit cards. Overdraft consumption does not mean overdraft withdrawals. Not only are overdraft withdrawals not interest-free, but they will also accrue interest of 0.05% per day. Minefield 3: You have to pay if you exceed the credit limit. Nowadays, many credit cards support credit card swiping beyond the credit limit, which is called over-limit. However, if you do not pay back the over-limit amount before the bill date, there will be an over-limit fee of 5% of the over-limit amount! Minefield 4: Automatically link repayments. In order to prevent forgetting to repay, many people will bind their debit cards and credit cards to automatically link repayments. However, related transactions must be completed at least 2 days before the last repayment date, because it takes up to 2 days to successfully verify the related function. Repayment cannot be made within these 2 days. If your last repayment date happens to be within these 2 days, you can Repayment will fail, even if there is sufficient balance in the debit card. Minefield 5: Repeated repayments. Some people repay manually after setting up automatic linked repayments. They think this is a double insurance. If the wrong amount is recorded during manual repayments, there is also an automatic repayment remedy. In fact, the system generates a deduction file the day before automatic repayment. If your manual repayment is on the last repayment day and before automatic repayment, repeated automatic repayments will still occur, which often results in overpayment. There is a fee for retrieving the overpayment. Minefield 6: When returning goods purchased with a credit card, the money will be refunded to the original card instead of cash. If you have already repaid, overpayment may occur after the refund, and the result is the same as minefield 5. Minefield 7: Annual fee. Many banks stipulate that annual fees will be charged even if the card is not activated. For example, some cards of CITIC and Minsheng even stipulate that the card must be swiped once within two months from the date of approval of the card to be exempted from the first-year annual fee. Note that The date the card is approved is not the date the customer activates the card. The problem is that the customer will not know the approval date unless they call and ask. Minefield 8: Lost Card Protection Some banks provide lost card protection 48 hours or even 72 hours before reporting loss, but in practice it may be difficult to get a claim. First of all, you cannot claim compensation for transactions based on passwords, and secondly, you cannot claim compensation for the actions of people around you.