How to charge Hua Xia Bank credit card cash withdrawal fees?

Hua Xia Bank determines the maximum limit that can be used for overdraft consumption and cash withdrawal based on the cardholder's income and credit status, and the cardholder can use it repeatedly within the validity period of the card. The credit limit that cardholders can use for timely transactions will be reduced with each consumption and restored with each repayment. If you hold multiple credit cards issued by Hua Xia Bank, the maximum credit limit of a single credit card held under the cardholder's name will be used as the credit limit, not the sum of the credit limits of multiple credit cards.

The cash withdrawal limit of Hua Xia Bank's credit card generally does not exceed 30% of the credit card limit, and the daily cumulative cash withdrawal limit is 2,000 yuan. So, how does Hua Xia Bank charge credit card cash withdrawal fees?

1. Domestic cash withdrawals

Domestic cash withdrawals with Hua Xia Bank credit card processing fees are charged at 3% of the cash withdrawal amount, with a minimum of RMB 5;

2. Overseas cash withdrawals

When withdrawing cash overseas, Hua Xia Bank’s credit card cash withdrawal handling fee is charged at 3% of the cash withdrawal amount, with a minimum of RMB 15 or US$2;

3. Recovering overpayment

When claiming the overpayment, Hua Xia Bank's credit card cash withdrawal handling fee will be charged based on the transferred amount, with a minimum of RMB 5 or USD 1.

Which Hua Xia Bank credit card can withdraw cash overseas for free?

Which Hua Xia Bank credit card can withdraw cash overseas for free: Banks with free overseas withdrawal fees in 2020 include Hua Xia Bank, Bank of Shanghai, and Bank of Ningbo , Bank of Nanjing, Hengfeng Bank, etc., foreign airports, hotels, exchange points.

How about Hua Xia Bank’s credit card?

It’s very good. The advantages of Hua Xia Bank’s credit card are:

1. Free of charge for overseas cash withdrawals: This is the Hua Xia Credit Card A big advantage.

2. Points are valuable. Earn 1 point for every RMB 1 spent on transactions and 7 points for every USD 1 spent. The cumulative limit of transaction points for each customer per month (with the accounting period as the statistical period) is 500,000 points. Points can be used to redeem business travel credits, Air China miles and Jifenbao.

The more famous credit cards of Hua Xia Bank are Hua Xia Art Card, Changxing Hua Xia Credit Card, Hua Xia Elite Premium UnionPay Platinum Credit Card, etc. Although there are not many card types, it also has its own uniqueness.

Extended information:

Hua Xia Bank’s credit card application process:

1. Receive the credit card application form and fill in the application information truthfully;

2. Submit other supporting materials (such as social security card, work permit, etc.);

3. Hua Xia Bank’s local branch will conduct a preliminary review of the applicant’s conditions and submitted materials;

4. After passing the preliminary review, the materials will be sent to Hua Xia Bank Credit Card Center for review;

5. If the conditions are met, the application will be approved and a certain credit limit will be given;

6. Hua Xia Bank system card;

7. Hua Xia Bank will send the card by registered mail or EMS;

8. After receiving the card, the applicant will sign in the signature box on the back of the card;

9. The card can be activated and used normally.

That’s it for the introduction of Hua Xia Bank’s overseas credit cards.