The annualized interest rate is 9.855%. According to the inquiry in official website, Bank of Ningbo, the handling fee of Zunshang Credit Card in Bank of Ningbo is not high. In 2.7 yuan, it is RMB 1 000 per day (the handling fee is interest), and the annualized interest rate is 9.855%. Charge by the day, deduct interest by the month, and the principal can be repaid with the loan or once a year. Bank of Ningbo, referred to as "Ningxing" for short, was founded in 1997 and its headquarters is in Ningbo.