The minimum repayment period (consumption) of Bank of Communications's card is 25 days and the maximum is 56 days. You can only enjoy the 56-day interest-free period if you consume on the statement date. If your limit is 15,000, you can spend up to 15,000 on purchases. You can only withdraw 7,500 in cash, up to 2,000 per day. There is no interest-free period for cancellation and there is a 1% handling fee (youth card handling fee is 5 yuan per transaction). If you have an overdraft of 10,000 and make up for it, you will need to wait 48 hours before you can withdraw it. The fees are the same as mentioned above. There is a way to save a little money: If you know a business person, you can use his POSS machine to transfer money. For example, if you transfer 10,000 yuan, he will give you the cash and a handling fee of 100 to him. You can save some money in the process. For interest, if you pay on the statement day, you can use the bank's money for 56 days (provided you have no other debts in the bank), and you can withdraw it all at once.