Credit card and debit card also belong to bank card, but due to different functions, the scope of application is also different. The biggest difference from debit card is that the withdrawal of credit card needs to pay a certain amount of handling fee. People also say that such a provision is acceptable, and discount the money they deposit in the credit card. Under the premise that there is no different place and inter-bank, the bank actually wants "card oil", which makes people angry, Moreover, some netizens posted microblogs on the Internet, saying that the bank's behavior was "insatiable".

The maximum charge for withdrawing deposits from credit cards is not even capped

For the withdrawal of excess payment, the standard of handling fees charged by various banks is also not unified. The minimum charge proportion ranges from 0.5% - 3%, the minimum basic charge ranges from 1 yuan to 30 yuan, and the maximum capped charge ranges from 50 yuan to 500 yuan. Some banks even have the minimum charge, and the maximum charge is not capped. Cardholders need to pay handling fees if they want to withdraw the excess deposit.

The use of credit card needs to be "tailored", and it is best to use it exclusively

When applying for a credit card, we should be aware of the possible charging items and charging standards in the process of use. Shop around and choose a credit card for yourself. It is better for a person to have both debit card and credit card. The savings card is used for saving and cash withdrawal, and the credit card is used for consumption. In this way, the special card can be used for special purpose without additional burden.

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