The high interest rates on Yaodu Card are legal. According to the public information of querying relevant information:

1. Yaodu Card is a credit card of Yaodu Rural Commercial Bank. The credit limit of the card is determined based on the customer's credit status. The better the credit status, the higher the credit limit obtained, and it can It is not illegal to apply for an increase in credit card loan amount, but loan sharking is illegal.

2. Credit cards are not loan sharks. You can enjoy interest-free treatment by swiping your credit card and repaying it on time. The charging standards of credit cards are reasonable charges approved by the price supervision department. The daily interest rate of 0.05% on a credit card is equivalent to an annual interest rate of 18%, which does not exceed the upper limit of the central bank's loan interest rate and is a legal credit interest rate. Usury is definitely illegal, but credit cards are not usury. When borrowing money, be sure to look at the interest rate and try not to get involved with loan sharks.