从信用卡使用者的角度来看，信用卡的持卡费用主要是客户的固定费用、或有费用和潜在费用这三个方面，分别对应于其中具有代表性的年费、各种手续费和循环利息费。

From credit card users, the expenses of holding credit card include fixed costs, possible cost and potential cost, which corresponds to annual fee, all kinds of service charge and cycle interest.

youdao