Do you need to use the excess deposit in the credit card (i.e. overpayment) or the credit card limit?

If you take the overpayment, there is no cash handling fee for taking it at the local bank.

By local, you mean taking it in the administrative province where the credit card issuer is located. For example, your card is handled in Heilongjiang Province, and there is no cash withdrawal fee for taking it in Heilongjiang Province. On the other hand, if you withdraw money outside the administrative province or cross-bank, there will be a cash withdrawal fee at a rate of .5% of the cash withdrawal amount, ranging from 2 yuan to 5 yuan. In addition, no matter inside or outside the province, the daily withdrawal from self-service equipment is at most 1, yuan per card. If your deposit is more than 1, yuan and you need to withdraw it at one time, you need to make an appointment at the counter. < P > If it is the overdraft limit of the card, the bank stipulates that the daily withdrawal from each card is no more than 1, yuan, and the withdrawal fee is .5% of the withdrawal amount, regardless of whether it is in a different place. Moreover, the overdraft withdrawal does not enjoy the interest-free period. From the date of withdrawal, the interest of .5% of the cash amount is charged every day.

For example, the landlord overdraws 2, yuan, and after 1 days, the total amount to be repaid

= withdrawal principal+withdrawal handling fee+withdrawal interest

= 2+2 * .5%+2.