1. You don't have to pay the card-swiping fee, which is paid vertically by merchants according to the amount collected, and divided by card organizations such as UnionPay and banks. Therefore, some local businesses are reluctant to swipe their cards. Your interest has exceeded the interest-free period, and the daily interest rate is five ten thousandths. It belongs to high interest rate. Mainly the above two. Of course, late fees and penalty interest are also included.