Industrial and Commercial Bank of China.

Credit card interest is divided into two situations. One is cash withdrawal interest. Bank cash withdrawal interest is basically charged at a daily interest rate of 0.05%. The other is the credit card installment fee, which varies from bank to bank. Credit card installment rates:

1. Industrial and Commercial Bank of China: 0.55% for 3rd period, 0.6% for 6th period, 0.6% for 9th period, 0.6% for 12th period, 0.65% for 18th period, and 0.65% for 24th period.

2. Agricultural Bank of China: 3rd period, 6th period, 9th period, 12th period and 24th period, the rate of each period is 0.6%.

3. China Construction Bank: 0.75% for the 3rd period, 0.7% for the 6th period, 0.6% for the 12th and 18th periods, and 0.62% for the 24th period.

4. Bank of Communications: Installment repayment (principal repayment in installments) 0.25%-0.93%/month.

Notes on using credit cards

Try to repay your credit card in full and on time every month. The repayment status is an important item in the credit card record. Cardholders should try to avoid paying interest beyond the interest-free period due to untimely repayment. Otherwise, it will not only be detrimental to increasing the credit limit, but may also cause stains on the credit record.

If you have large consumption needs, you can temporarily ask the bank to temporarily increase the limit. The general period is one month, and some banks will take the initiative to increase the credit card limit during holidays. After a cardholder requests a limit increase, the bank will determine the final limit increase scope by reviewing the cardholder's consumption needs and past card usage records.