The general interest rate for bank credit cards: 5.35% for six months, 5.75% for one year, and 5.9% for more than one year; the interest rate for card deposits is uniformly 0.36% per year for current deposits nationwide.

Extension: Regarding deposit and loan interest rates and interest calculations:

The deposit and loan benchmark interest rates are the collective name for the deposit benchmark interest rates and loan benchmark interest rates issued by the central bank. The benchmark interest rates for deposits and loans issued by the central bank can be divided into four items, namely: the benchmark interest rate for demand deposits, the benchmark interest rate for lump sum time deposits, the benchmark interest rates for various commercial loans, and the benchmark interest rates for provident fund loans. my country's benchmark deposit and loan interest rates are an important means of regulating the national economy formulated by the central bank by referring to the yield rate of government bonds in the circulation market. They are a concrete manifestation of macro-control of the market. The benchmark interest rate for demand deposits (regardless of age) issued by the Central Bank in 2018 is: 0.35%. The benchmark interest rates for lump sum time deposits released by the central bank in 2018 are: 1.10% for three-month time deposits, 1.30% for half-year time deposits, 1.50% for one-year time deposits, 2.10% for two-year time deposits, and 2.10% for three-year time deposits. The term is 2.75%. The benchmark interest rates for various commercial loans released by the central bank in 2018: the benchmark interest rate for less than one year (including one year) is 4.35%; the benchmark interest rate for one to five years (including five years) is 4.75%; the benchmark interest rate for more than five years is 4.75% The interest rate is 4.90%. The benchmark interest rate for personal housing provident fund loans released by the central bank in 2018: 2.75% for five years or less (including five years); 3.25% for more than five years.

4. The interest calculation formula is mainly divided into the following four situations.

First, the basic formula for calculating interest, savings deposit interest, the basic formula for calculation is: interest = principal × deposit period 360 (days); monthly interest rate = annual interest rate ÷ 12 (months) = daily interest rate × 30 (days); daily interest rate = annual interest rate ÷ 360 (days) = monthly interest rate ÷ 30 (days), in addition, use the interest rate Pay attention to the consistency with the deposit period;

Third, the starting point of interest calculation in the interest calculation formula;

1. The interest calculation starting point of savings deposits is yuan, and the angle below yuan No interest will be paid on points;

2. The interest amount is calculated to the nearest cent, and the cents will be rounded to the nearest cent when actually paid;

3. Except for the annual settlement of current savings, the interest can be transferred to In addition to earning interest on the principal, all other savings deposits, regardless of the deposit period, will pay off the principal when withdrawn, without compound interest;

Fourth, the calculation issue of the deposit period in the interest calculation formula;< /p>

1. Calculate the deposit period by counting the first and not the last;

2. Regardless of whether it is a big month, a small month, an ordinary month or a leap month, each month is calculated based on 30 days. The year is calculated based on 360 days;

3. The maturity dates of various deposits are calculated based on the year, month, and day. If the account opening date is a missing date in the expiration month, the expiration month will be used. The last day of is the expiration date.

Fifth: Interest calculation rules:

1. When calculating interest, the number of days of deposit is always counted from the date of deposit to withdrawal. Ending on the previous day;

2. Regardless of leap year or ordinary year, regardless of the big or small month, the whole year is calculated as 360 days, and each month is calculated as 30 days;

3. Yes The maturity dates of various time deposits are calculated based on the year, month and day. That is, from the date of deposit to the same day of the same month of the next year, it is a pair of years, and from the date of deposit to the same day of the next month, it is a pair of months;

4. The expiration date of regular savings. For example, if you are not working during a statutory holiday, you can If you withdraw one day in advance, interest will be calculated as if it is due, and the procedures are the same as for withdrawing in advance.

5.: Interest formula

Interest calculation formula: principal × annual interest rate (percentage) × deposit period

If interest tax is collected then × (1 -5%)

Total principal and interest = principal + interest

The calculation formula of accrued interest is: accrued interest = principal × interest rate × time

Accrued interest is accurate to 2 decimal places, and the number of days that interest has been accrued is calculated based on the actual number of holding days.