The one-year interest rate for a credit card loan of 100,000 yuan is affected by many factors, including the lending bank, the borrower's credit status, the loan term, the repayment method, etc. The following is a specific analysis of these factors:

1. Loan bank: The interest rates of credit card loan products of different banks may be different. For example, the ICBC credit card installment interest rate may be 3 or 6% for 12 periods, while the interest rates of other banks may be different. Therefore, understanding the specific interest rates of each bank is a prerequisite for calculating interest.

2. The borrower's credit status: The borrower's credit record, income stability, debt ratio and other factors will affect the bank's assessment of his credit, thus affecting the loan interest rate. Borrowers with good credit may enjoy lower interest rates.

3. Loan term: The length of the loan term will also affect the calculation of interest. Generally speaking, the longer the loan term, the higher the total interest is likely to be because interest takes longer to be calculated.

4. Repayment methods: Equal principal and interest repayment and equal principal repayment are two common repayment methods. Different repayment methods will lead to different interest calculation results. Under the equal principal and interest repayment method, the monthly payment is fixed, while under the equal principal repayment method, the monthly payment decreases month by month.

Based on the above factors, the interest rate for a credit card loan of RMB 100,000 per year may range from RMB 3,600 to RMB 18,000. The specific amount needs to be determined according to the bank product selected by the borrower and his personal credit status. For example, if the annual interest rate is 3.6%, the interest for one year is 100,000 yuan × 3.6% = 3,600 yuan; if the annual interest rate is 18%, the interest is 100,000 yuan × 18% = 18,000 yuan.

Extended information:

The calculation of interest on credit card loans involves the complexity of financial products. Therefore, when choosing credit card loan products, it is recommended that borrowers consult bank staff in detail to understand different products. Interest rates, fees and repayment methods, and make reasonable choices based on your own financial situation and repayment ability. At the same time, borrowers can use online tools, such as the loan calculator provided by the bank's official website, to estimate loan interest and monthly repayments to better plan their personal finances. In addition, borrowers should also check their personal credit reports regularly to ensure that their credit records are good in order to obtain more favorable loan terms.