Does the questioner want to ask "What does the 18% annual interest rate of Yaodu Tianhe Card mean?" 1.5 cent interest per month. The annual interest rate of Yaodu Tianhe Card of 18% means that the daily interest rate is 0.5 yuan per day, that is, 1,000 yuan will generate interest of 0.5 yuan per day, and 15 yuan of interest per month. Tianhe Credit Card is a credit card issued by Yaodu Rural Commercial Bank. The bank gives users a certain credit limit, and the user consumes within the credit limit and then repays the credit card.