Can a credit card withdraw cash from an ATM?

Yes, a credit card can withdraw cash directly from an ATM. Just like a savings card, you can withdraw cash by inserting the card into the machine and entering the password. Credit card withdrawal is also called cash withdrawal or cash advance, which is divided into two situations: credit line withdrawal and overflow deposit withdrawal. Cash withdrawal from credit line is also called overdraft cash withdrawal, which is based on overdraft credit card. Overflow cash withdrawal refers to cash withdrawal through the funds in the credit card or the overpaid funds at the time of repayment.

a credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to a consumer with qualified credit. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

1. Credit cards can withdraw money from ATMs.

++++handling fee: the handling fee of credit card withdrawal in large state-owned banks is lower than that in joint-stock banks, among which ICBC and Bank of China Changchengtong series credit cards are free of handling fee; At present, CCB++++is in the preferential period, and the withdrawal fee is only .5%; Agricultural Bank of China charges the highest fees among the four major state-owned banks, and the current handling fee is 1%.

second, among the joint-stock banks, Bank of Communications, China Merchants Bank, Bank of Beijing and Huaxia Bank all charge 1% cash handling fee. Guangfa Bank and Ping An Bank are the most expensive of the top ten banks, and both charge a cash handling fee of 2.5%.

There will be a minimum charge among three or eight top-up banks, and the difference between the minimum charges among the eight top-up banks is 25 times, that is, if only 1 yuan cash is taken, Agricultural Bank of China will only charge 1 yuan, while Ping An Bank will charge 25 yuan. According to the survey, the lowest handling fee of ABC is 1 yuan/transaction, that of CCB 2 yuan/transaction, that of Huaxia Bank 5 yuan/transaction, that of Guangfa Bank, Bank of Beijing, China Merchants Bank and Bank 1 yuan/transaction, and that of Ping An Bank is the most expensive, and that of 25 yuan/transaction is

1. In fact, the cash withdrawn by credit card does not enjoy interest-free repayment, but also requires interest. According to a survey by a reporter from beijing business today, the interest expense of 1 banks is 5/1, but the interest-bearing time is different. The customer service staff of the Bank of Communications told the reporter that the interest will be collected from the second day of cash withdrawal until the date when the arrears are paid off. China Merchants Bank bears interest on a daily basis and 1% on a monthly basis from the trading day to the settlement day. The interest of Guangfa Bank is also charged from the date of overdraft, and the minimum monthly charge is 1 yuan.

2. A credit card can withdraw a certain amount of cash. As long as you withdraw cash, you will receive interest, and the interest is relatively high. So try not to withdraw cash by credit card.

Can a credit card withdraw money from an ATM?

A credit card can withdraw money from an ATM.

Credit card withdrawal is also called cash withdrawal or cash advance, which can be divided into two situations: credit line withdrawal and overflow deposit withdrawal. Cash withdrawal from credit line is also called overdraft cash withdrawal, which is based on overdraft credit card. Overflow cash withdrawal refers to cash withdrawal through the funds in the credit card or the overpaid funds at the time of repayment.

no matter what kind of cash withdrawal, you have to pay a handling fee. The handling fee for withdrawing money by credit card is very high, and different banks have different handling fee regulations. Moreover, the overdraft credit card line will also generate interest. From the date of withdrawal, the interest will be compounded monthly until the borrower pays off the withdrawal amount. In addition, a credit card can generally withdraw 5% of the credit limit of the card. For example, if the credit limit of your credit card is 1, yuan, you can withdraw 5, yuan in cash.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the issuing bank gives the cardholder a certain credit line, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund according to the requirements of the bank, and when the reserve fund is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.

a Creditcard, often called a credit card, refers to a credit card in which the issuing bank gives the cardholder a certain credit line within which the cardholder can spend first and then repay. It has the following characteristics: first consume and then repay, enjoy an interest-free payment period (up to 56 days), and have a minimum repayment amount, and customers can repay by installments when they overdraw. Customers need to pay a certain amount of annual fees to the banks that apply, and each bank is different.

quasi-credit card is a single-currency single-account credit card with interest-bearing deposits and RMB for credit card spending. It has the functions of transfer settlement, cash deposit and withdrawal, credit consumption and online banking transactions. When the balance of credit card consumption and cash withdrawal account is insufficient to pay, the cardholder can overdraw the consumption and cash withdrawal within the specified limited credit limit and charge a certain interest. There is no interest-free repayment period.

quasi-credit card is a kind of credit card with China characteristics, and there is no such kind of credit card abroad. In the late 198s, China's banking industry introduced credit card products from abroad. Because the personal credit system in China was not perfect at that time, the banking industry in China made some changes to foreign credit card products, changing the traditional foreign credit card deposit with no interest and overdraft with interest-free period to deposit with interest and overdraft with interest.

a quasi-credit card has some functions of both a credit card and a debit card. Generally, it is necessary to pay a deposit or provide a guarantor. When using it, deposit first and then consume, and interest will be paid for the deposit. The cardholder can make a small overdraft within the limit approved by the issuing bank when shopping, but the overdraft amount will bear interest from the date of overdraft, and the arrears must be paid off at one time. There is no interest-free repayment period and minimum repayment amount, and its basic functions are transfer settlement and shopping consumption.

Can I withdraw money from the ATM with my credit card?

Yes.

credit cards support cash withdrawal on ATM machines, and the cash withdrawal process is the same as that of bank cards, but the cash withdrawal amount of credit cards will be limited, usually 5%-1% of the credit line. Please consult the issuing bank for details. Credit card withdrawal by ATM is subject to daily withdrawal interest in addition to withdrawal handling fee, so the credit card withdrawal service is only applicable to emergencies. Different banks charge different fees for credit card cash withdrawal. If you want to use credit card cash withdrawal service, you can call customer service first to inquire about the handling fee, interest fee and cash withdrawal amount, so that you can calculate the fees to be paid for this cash withdrawal in advance.

No matter what kind of cash withdrawal, you should pay attention to the following two points:

1. The credit card withdrawal amount is generally half of the credit line. Suppose your credit card limit is 1 thousand yuan, then you can withdraw up to 5 thousand yuan when you withdraw cash.

2. You need to pay handling fee and interest for withdrawing cash by credit card. Credit card fees are generally charged at one time, and different banks have different standards for credit card withdrawal fees, but they are not low. The interest rate of credit card withdrawal is five ten thousandths of a day, and there is no interest-free period. Interest is calculated from the day of withdrawal, and compound interest is calculated on a monthly basis, which is the so-called "rolling interest". So remember to pay back the money as soon as possible after withdrawing cash.

handling fee for cash advance in domestic banks:

ICBC has no handling fee in local banks;

2.5% of the cash withdrawal amount of China Everbright Bank, with the lowest 3 yuan and the highest 2 yuan;

1% of the transaction amount of Agricultural Bank, with the lowest 1 yuan.

1% of the cash withdrawal amount of CCB is the lowest in 1 yuan RMB and the highest in 5 yuan.

there is no handling fee for the local bank of China Bank.

1% of cash advanced by China Merchants Bank, with a minimum charge of RMB 1 yuan (the first payment of city series credit cards is free of charge).

1% of the transaction amount of Jiaoneng Bank, with a minimum of RMB 5 yuan per transaction (new standard).

2.5% of the transaction amount of Ping An Bank, with a minimum of RMB 25 yuan per transaction.

.5% of the cash withdrawal amount of Minsheng Bank, with a minimum of RMB 1 yuan.

2% of cash advanced by Industrial Bank is charged, and the minimum charge is RMB 2 yuan.

3% of cash advanced by China CITIC Bank is charged, and the minimum charge is RMB 3 yuan.

3% of the cash withdrawal amount of Shanghai Pudong Development Bank, with a minimum of RMB 3 yuan.

2.5% of the cash withdrawal amount of Guangfa Bank; The lowest RMB is 1 yuan.

can a credit card withdraw money without a card?

a credit card cannot withdraw money without a card. Unless users have opened mobile banking, they can transfer funds to their debit cards through channels such as mobile banking or handheld life clients, and then withdraw cash. In addition to the above methods, users can also realize cash withdrawal through WeChat booking, QR code booking and online banking booking. Regardless of the nature of cash withdrawal without a card or with a card, the bank will charge a handling fee, and interest will be calculated according to the expected annualized interest rate of five ten thousandths of a day. < P > Cash withdrawal without a card means that you can withdraw cash from the ATM as long as you have a mobile phone. ICBC has officially launched the mobile phone reservation cash withdrawal service nationwide. As long as the corresponding operations are carried out through mobile banking in advance, you can withdraw money from ICBC ATMs with mobile phone number, reservation code and other information when needed without inserting a bank card, with a daily cumulative withdrawal limit of 5, yuan. This new withdrawal method has been introduced in ICBC, Bank of Communications and Guangfa.

to make an appointment to withdraw cash by mobile phone, users should log in to the bank's mobile banking, select the function of "make an appointment for withdrawing cash", reserve the "reservation code" according to the prompt, determine the effective time of the appointment, input the withdrawal amount, specify the withdrawal account, and authenticate their identity through the media such as password card or electronic cipher, and then receive a temporary password message. Users can withdraw money from the nearest ICBC teller machine within the effective time set by themselves. When withdrawing money, they should input information such as mobile phone number, reserved "reservation code" and temporary password sent by the bank. The limit of single cash withdrawal and daily cumulative cash withdrawal for this service is 1 yuan and 5, yuan respectively.

in order to ensure the safety of depositors' funds, the designated account for making an appointment to withdraw cash through mobile banking can only be a debit card account, and the debit card must be added to the mobile banking through the ICBC outlet counter and the external payment authority is opened, rather than being added to the mobile banking by self-service. This means that in order to realize "cash withdrawal without card", the first step to be done is to open mobile banking at the ICBC counter and bind a payment account, and then download the terminal of ICBC mobile banking on the mobile phone to realize the above operation.

Bank of Communications was the first bank to introduce "cash withdrawal without card". On January 2, 21, it launched the mobile phone terminal "E Mobile Bank", which was the first to realize cash withdrawal without card at ATMs in China. In 211, Guangfa Bank also introduced the "mobile banking reservation withdrawal function", which also enabled it to withdraw cash from any of the ATMs.

Can a credit card withdraw money from the bank?

A credit card can withdraw money from the bank. Credit cards of all banks have the function of withdrawing cash. It should be noted that bank cards have a certain withdrawal amount, and generally the withdrawal amount cannot exceed half of the credit limit. After the user withdraws cash from the bank, the bank will charge a certain interest fee with reference to the daily interest rate of .5%, and the handling fee will be between 2-1 yuan each time.

credit card cash withdrawal method:

whether it is overpayment or overdraft cash withdrawal, we can handle it at the counter, online banking or ATM. Just enter the payment password of the credit card, and the cash withdrawal will be successful, but the charging methods of the two are different.

1. Overpayment cash withdrawal: overpayment is the amount that we transfer in more or pay back more when repaying. If we withdraw this part of the money, unless there are some special agreements. But this part of the money is your own money, so you won't charge interest.

2. overdraft withdrawal: overdraft withdrawal refers to a service provided by the bank for credit card customers. Usually, the withdrawal amount is 5% of the credit limit. We don't have an interest-free period at present, but we will start to calculate interest after withdrawal, and the rate is still relatively high. Therefore, it is best not to choose cash withdrawal when we are unable to repay.

Overpayment will not only generate interest, but also may cause additional costs when it is taken out, so we just need to pay back the amount we owe, and it is better not to pay more. If you need to pay a handling fee to take it out after overpayment, you can use your credit card directly to avoid handling fees.

Cash withdrawal by credit card is actually a financial service provided by banks for customers with cash needs. Generally speaking, there is no harm, but the cardholder needs to bear certain handling fees and interest. In addition, if you frequently use credit cards to withdraw cash, it is easy for banks to think that you are suspected of cashing out, or that there are problems in your personal economy, which will affect your personal credit.

Therefore, you should not withdraw cash from your credit card too frequently. You can withdraw cash occasionally if necessary, and try to repay it in time, so as not to generate too much interest and cause repayment pressure on yourself.

Can the money on the credit card be taken out?

The money deposited in the credit card can be taken out. The money deposited in the credit card is called overpayment. Generally, it requires a handling fee to take out the overpayment, but some banks will also waive the handling fee for withdrawing the overpayment. The specific rate needs to be subject to bank regulations.

if there is overpayment in the credit card, the credit card limit will be increased, and this part of the money will be deducted first when spending, and then the credit limit will be deducted after the overpayment is deducted.

when the consumption level is less than the overpayment, the credit card will not be overdrawn, or you can directly swipe the credit card to use the money when shopping, until the money is used up.

neither of these two methods will generate interest or handling fees.

credit card types

according to different card issuers, it can be divided into bank cards and non-bank cards

bank cards. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or withdraw cash at any time at all branches of the issuing bank or places with ATMs.

non-bank card. This kind of card can be divided into retail credit card and travel entertainment card.

according to different issuers, it can be divided into corporate cards and personal cards

corporate cards. Corporate cards are issued to all kinds of industrial and commercial enterprises, scientific research and education institutions, state party and government organs, military units, organizations and other legal organizations.

personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary cards. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and their requirements are not high.

gold card. Gold card is an advanced credit card that pays high membership fee and enjoys special treatment.

according to different payment methods, credit cards can be divided into credit cards and quasi-credit cards

credit cards. It is that when the issuing bank provides bank credit, it overdraws first, and then repays or pays by installments. Most of these cards are used in international circulation.

quasi-credit card. It is a credit card issued by the bank, which deposits first and then consumes.

according to the different circulation scope of credit cards, they can be divided into international cards and regional cards

international cards. International card is a kind of credit card that can be used outside the issuing country and is universal.

area card. Regional card is a kind of credit card that can only be used in the issuing country or in a certain area. Most credit cards issued by commercial banks in China belong to regional cards.

that's enough for the introduction that credit cards can withdraw money.