按照相关规定，各大银行推出信用卡，通常有以下几种还款方式：最低还款，指只需偿还账单上规 定的最低金额，但隐藏着较高的利息成本；分期还款，通常会有年化利率超过10%以上的手续费；全额 还款，这种还款方式在免息期内不收取任何利息。 此外，信用卡提现与刷卡消费存在本质区别，刷卡消费有免息期，但是取现不仅需要支付手续费， 还可能叠加高额利息。 7月16日，广发银行信用卡中心有关负责人回应中新经纬，目前该行已根据行内最新容时政策为客 户提供了减免方案。 在黑猫投诉 【下载黑猫投诉客户端】平台，信用卡相关投诉量已突破39万条，除了逾期利息费用 复杂外，分期和取现等利息成本高等问题成为了信用卡收费投诉的主要问题。 "从未逾期，为啥会产生利息？" 据中新经纬，近日，家住广州的周女士反映，她的广发银行信用卡6年里总共被收取了1.2万利息。 7月15日，广发银行信用卡中心工作人员称，假设还款日是每月7日，在7日当天23：00前还款，正 常情况下是8日到账不会产生利息，23：00后还款就会导致9日才能到账，会产生违约金和消费利息。但 在周女士看来，即便是还款次日或再顺延一日还款到账，也应该有"宽限期"。 2024年5月，中国银行业 ...

Core Viewpoint - The article discusses the issue of credit card interest charges incurred by a customer despite making full payments on the due date, highlighting the lack of clarity in repayment policies and the need for better communication from banks regarding interest and fees [2][10][11]. Group 1: Interest Charges and Repayment Policies - A customer discovered that she was charged a total of 12,755.94 yuan in interest over six years, despite always making full payments on the due date [2][4]. - The bank's policy states that payments made after 23:00 on the due date are considered late, resulting in interest charges [3][4]. - The bank's customer service indicated that the interest was due to the customer not adhering to the agreed repayment method, which includes a one-day grace period for payments [10][11]. Group 2: Comparison with Other Banks - Other banks typically offer a grace period of 3 to 5 days for credit card repayments, allowing customers to avoid interest charges if payments are made within this timeframe [12][13]. - The article notes that the majority of banks provide a grace period without requiring customers to apply for it, contrasting with the practices of the bank in question [13][14]. Group 3: Industry Standards and Recommendations - The China Banking Association advocates for banks to provide a grace period for repayments, suggesting that this should be at least three days [16]. - Experts argue that banks should not penalize customers for technical delays in payment processing and should ensure clear communication regarding repayment policies [17][18]. - Recommendations for consumers include proactively managing repayment strategies, such as confirming payment deadlines and utilizing real-time payment channels [18].