After credit card consumption or withdrawal, the specific interest amount is calculated in two ways: withdrawal and consumption.

I. Cash withdrawal by credit card:

1. Credit card overdraft needs to be calculated from the existing two parts.

A handling fee: different banks have different regulations. For example, CCB credit cards are charged at 0.5% of the cash withdrawal amount, with a minimum of 2 yuan per transaction and a maximum of 100 yuan per transaction; The credit card of China Merchants Bank is charged at 1% of the cash withdrawal amount, with a minimum of 10 yuan per transaction; The Bank of Communications credit card charges 65,438+0% of the domestic cash withdrawal amount, with a minimum of 65,438+00 yuan per transaction.

B interest: calculated at the daily interest rate of five ten thousandths. (How much interest will be deducted from five ten thousandths of the arrears)

2. Cash withdrawal from credit card overpayment: Some banks need to charge, while others don't.

Second, there are three situations in which credit cards are swiped at POS machines:

1. If the repayment is made in full and on time, the interest will be free;

2. If the minimum repayment is made on time, the daily interest will be charged at five ten thousandths;

3. If the repayment is overdue, there will be a late fee in addition to the above interest.