There is no interest for overdraft consumption within the credit limit using Ping An Credit Card. There is generally an over-limit fee for consumption beyond the credit limit, which is charged at 5% of the over-limit. In addition, there is also an interest for using a credit card to withdraw cash overdraft. Generally, the overdraft withdrawal interest is calculated daily from the transaction date at a daily interest rate of 0.5%. In addition, there is a handling fee for overdraft withdrawals, which is generally charged domestically at 2.5% of the amount, with a minimum of RMB 25 per transaction. Overseas charges are 3% of the amount, with a minimum of USD 3 per transaction.