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China legal tool China law National framework

China Credit Card Interest
& Fee Compliance Calculator

Interactive China legal orientation tool. Review the result with the relevant legal guide and qualified counsel where facts or local implementation matter.

Free calculatorPRC lawAssumption-led estimate
  1. 01Enter facts
  2. 02Get estimate
  3. 03Check assumptions
  4. 04Verify or escalate

Credit card pricing

Legal basis

No fake 18.25% cap

0.05% daily may appear in bank contracts, but it is not the current universal statutory maximum. Compound interest, minimum repayment and default fees should be reviewed against the issuing bank agreement and consumer-finance rules.

Legal authorityReview the legal-basis section and cited source before relying on the output.
Tool typeCalculator
ScopeNational framework first
Local checkLocal rules and authority practice may differ
Use the output safely

Verify before relying on the result.

  • InputsConfirm dates, amounts, classifications and assumptions.
  • AuthorityCheck the cited rule, effective date and territorial scope.
  • EscalationSeek review for disputed facts, material exposure or imminent deadlines.
When the file needs review

Move from the tool to a verified legal route.

Use the output to organize the facts, then confirm the source, evidence, local implementation and available remedy before acting.