1. The handling fee for cash withdrawal of Bank of Communications credit card is 1% of the cash withdrawal amount, with the minimum 1 yuan; Young-power card every 5 yuan. Credit card cash withdrawal is limited to 2 yuan per card per day. Credit card transfer is equivalent to cash withdrawal.

2. The overdraft interest of the credit card is .5% per day.

interest = overdraft amount *.5%* overdraft days

3. The credit card will compound interest on a monthly basis. At the end of the billing cycle, the interest will be included in the principal and the interest will continue to be compounded.