农行信用卡不分期刷卡交易2万块，且下月还款日按时全额还款，这一个月是免息的。
农行信用卡账单/消费分期交易2万块，每个月收取分期本金的0.6%作为利息，即一个月利息=20000×0.6%=120元。
农行信用卡透支取现2万块，收取交易金额的1%作为手续费，且按日收取0.05%的利息，即一个月利息=20000×1%+20000×0.05%×30=500元。
农行信用卡现金分期（可取现额度透支转账至借记卡内分期还款）2万块，分3期每期利率0.8%，一个月利息=20000×0.8%=160元；分6-12期每期利率0.69%，一个月利息=20000×0.69%=138元。
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