Operation method of interest return: 1. First, you need to know whether your situation meets the requirements of credit card application for interest refund, such as breach of contract due to force majeure, charging compound interest on unpaid overdraft amount, and charging unreasonable service management fees.

2. Then call the bank credit card center to apply for interest refund. If the bank disagrees with the application, it can call the bank or complain at the CBRC, and the overcharged interest can generally be refunded.