The full name of credit card service fee is value-added service fee. In other words, cardholders need to charge more service fees when opening other services of credit cards. For example, credit card guarantee service, bill SMS reminder service, worry-free service with card and so on. After these services are opened, banks will charge the fees required for these services, that is, value-added service fees.

If you don't want this service fee, you don't need to open these value-added services that require extra fees. You can also open the required services according to your own needs. If you need to cancel after opening, you can go to the bank or call the customer service hotline to find out.

Take WeChat and Alipay as examples. The service fee for credit card repayment is:

1. wechat: wechat credit card charges 0.65438+ 0% service fee for each repayment. The amount of service charge shall be calculated to two decimal places, with a minimum of 0. 1 yuan. At the same time, the service fee is paid together with the repayment amount.

2. Alipay: Individual users can enjoy a basic free repayment amount of 2,000 yuan per month. After the free amount is exceeded, the service charge will be 0. 1% for the excess, and 0. 1 yuan for the single service charge less than 0. 1 yuan. At the same time, after using the basic free quota, users can use Alipay membership points to exchange more free quotas.

According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards.

(1) credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation.

(2) quasi-credit card. It refers to a credit card in which the cardholder must first deposit a certain amount of reserve funds according to the requirements of the issuing bank. When the balance of the reserve account is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank, but interest will be charged from the date of overdraft, and interest-free period will not be enjoyed (reserve is not required for quasi-credit card).