The annual fee is 580 yuan/card/year. You only need to use it for 10 times each card year, regardless of amount or location, to be exempted from the annual fee for that year. Cash withdrawal transactions do not enjoy the interest-free period and will incur handling fees. For domestic RMB overdraft withdrawals with CCB credit cards, each transaction is charged a cash withdrawal handling fee of 1% of the cash withdrawal, with a minimum of 2 yuan and a maximum of 100 yuan. In terms of interest, interest will be charged at a daily interest rate of 0.05% from the date of withdrawal. Compound interest is calculated monthly, for example, if you withdraw 1,000 yuan, the handling fee is: 1000*0.01=10 yuan; the interest is: 1000*0.0005*the number of overdraft days, and the daily interest is 0.5 yuan.