China Everbright Bank’s credit card interest rates are high. Without discounts, ZTE's annual interest rate is 16.13%, which translates into a monthly interest rate of about 1.3 cents. Without discounts, the annual interest rate of China Everbright Bank is 18.32%, which translates into a monthly interest rate of about 1.5 cents. The annual interest rate of Ping An Bank is 16.27% without discounts, which translates into a monthly interest rate of about 1.3 cents. Nowadays, the last thing banks want to lend to is customers who like to use small loans frequently. Their view is that customers who use small loans have difficulty in capital turnover, unstable income, low risk resistance, and are prone to overdue loans.