1000 was borrowed on May 5, 2022, and 1000 was borrowed on May 2. * * * 2000 yuan, to be paid back on June 3rd 1043. 47 yuan, repayment on June 3rd 1037 yuan. * * * The interest is 43.47+37=80.47 yuan. That is, after one month, the interest expense of 2000 yuan is as high as 80.47 yuan. Needless to say, the calculated annual interest rate seriously exceeds the national standard. And it was cheated under the guidance of a 10% discount coupon. The coupon is not a month's interest expense, and it is not stated. For junior credit card users, they mistakenly think that their credit cards are interest-free for one month as advertised, but this is because they have set a so-called handling fee. The real interest rate is indeed deducted as interest. In addition, the APP does not display the detailed number. Second, it hides the charges. For example, the actual deduction is 1043.47 yuan, but only 1037 yuan is displayed.