我国银行信用卡的消费者持卡费用解析

Profit Analysis of the Expenses of Holding Bank Credit Card in Our Country

从信用卡使用者的角度来看,信用卡的持卡费用主要是客户的固定费用、或有费用和潜在费用这三个方面,分别对应于其中具有代表性的年费、各种手续费和循环利息费。本文通过分析国内七家银行的相关数据,针对上述三大持卡费用逐一进行比较、分析和计算,以期信用卡使用者的持卡成本更加透明化。

From credit card users, the expenses of holding credit card include fixed costs, possible cost and potential cost, which corresponds to annual fee, all kinds of service charge and cycle interest. Based on the analysis of related data from seven domestic banks, the article compared, analyzed and calculated the cost mentioned above, aiming at making the cardholder＇ s cost transparent.