Core Viewpoint - The article highlights the issues faced by credit card holders regarding high interest rates and unclear fee structures imposed by banks, leading to significant financial burdens for consumers [3][4][14]. Group 1: Consumer Experiences - A consumer named He Lin experienced unexpected interest charges despite repaying a significant portion of her credit card debt, leading to a refund agreement with the bank contingent on future payments [3][4]. - Another consumer, Jiang Hua, reported accumulating over 36,000 yuan in fees over six years, primarily due to interest and penalties, indicating a lack of clarity in fee calculations [5][9]. - A third consumer, Xue Jun, faced similar issues with over 20,000 yuan in fees despite never missing a payment, highlighting widespread dissatisfaction among credit card users [11][12]. Group 2: Bank Practices - Most banks, except for a few products from Industrial and Commercial Bank of China, employ a full interest calculation method, which has been a point of contention among consumers [4][25]. - The article notes that banks typically provide a grace period of three days for repayments, but this does not alleviate the burden of interest for those who do not pay the full amount [30][32]. - Banks like China Merchants Bank and Ping An Bank have been criticized for their lack of transparency in fee disclosures, with consumers often unaware of the interest calculations until they review their statements [9][10][13]. Group 3: Regulatory and Industry Insights - The article discusses the ongoing debate about the fairness of full interest calculations, with some experts arguing that it deviates from actual costs of capital and may constitute unfair contractual terms [26][27]. - Regulatory bodies have previously indicated that banks must justify their interest rates and fees in relation to the actual losses incurred, aiming to protect consumer rights [27][28]. - There is a call for improved transparency and standardization in fee disclosures, with suggestions for banks to enhance communication regarding interest calculations and potential fees [35][38].