It's not cost-effective to withdraw cash. Take a credit card with 10000 yuan as an example. The monthly interest is almost 150-200 yuan. If it is 90000 yuan, it will be 200 * 9 = 1800 yuan every month.

I suggest you find a credit card to cash out and brush out the points charged with% 1. There is no monthly interest, and only% 1 is paid for 9000 yuan, so don't worry about the uncleanness of the account balance.