Here are a few options for the WordPress post_tag description, catering to different levels of detail and focus:

**Option 1: Concise and Clear**

* **Title:** 刷卡費
* **Description:** 關於信用卡消費產生的費用，包括手續費、利息等。 (Regarding fees incurred from credit card spending, including processing fees, interest, etc.)

**Option 2: More Specific, Targeting Businesses**

* **Title:** 刷卡費
* **Description:** 商家收取接受信用卡付款時產生的相關費用，也包含消費者刷卡所產生的費用。 (Related fees charged to merchants for accepting credit card payments, including fees also that consumers incur from using credit cards.)

**Option 3: Focused on the User’s perspective**

* **Title:** 刷卡費
* **Description:** 了解您信用卡帳單上的刷卡消費，包含手續費、退款及其他相關費用。 (Understand your credit card transactions, including processing fees, refunds, and other related charges.)

**Option 4: Emphasis on Understanding**

* **Title:** 刷卡費
* **Description:** 深入探討刷卡消費時，可能產生的各種收費項目，幫助您更清楚掌握消費成本。 (An in-depth discussion of various charges that can occur when using credit cards, to help you more clearly understand the cost of your spending.)

**Key Considerations When Choosing:**

* **Audience:** Who are you writing for? Are they businesses, consumers, or a mix?
* **Content:** What kind of content will be tagged with this? Will it be mostly about merchant fees, consumer charges, or general credit card usage?
* **Length:** Keep the description concise and to the point. WordPress often truncates descriptions in some displays, so the most important information should be near the beginning.

I recommend choosing the description which best aligns with the content of your posts tagged with “刷卡費” and your target audience. I also suggest the second option if you target businesses, as it gives the most rounded coverage.