First, banks don't charge any fees for cardholders' credit card spending, and merchants have to pay handling fees to banks for both local consumption and off-site consumption.

Second, credit card consumption has interest-free function, and cash withdrawal overdraft has no interest-free; Quasi-credit cards (ordinary credit cards) also have overdraft function, but such cards have no interest-free period after overdraft. No matter what kind of card overdraft interest rate is five ten thousandths (daily interest rate), much higher than the bank's overdue loan interest rate.

Third, how to calculate the interest-free period, the simplest and most intuitive statement is that from the date of consumption, after the end of one month, to the 20th of next month, this period is the interest-free period (20th is the value date). If it is 1 consumption, the value date will not be until the 20th of next month, so there will be a 50-day interest-free period. If you spend at the end of the month, there is only a 20-day interest-free period.

On the consumption of credit cards in different places: credit cards are universal regardless of place and place. The use of bank credit cards is the same across the country, regardless of region. There is no handling fee for credit card consumption, and the installment fee is still charged according to the original standard, and no additional fees will be generated.