There is no interest-free period for cash overdrawn by CCB's credit card, but interest will be charged at 0.5 ‰ of your cash withdrawal amount until it is paid off. No matter whether you overdraw or withdraw excess deposits, you have to charge a withdrawal fee, which is 5 ‰ of your withdrawal amount, ranging from 2 yuan to 50 yuan (much cheaper than China Merchants Bank). Generally, the withdrawal amount is 30% of your credit limit, and the credit limit is subject to the application materials submitted when you apply for a credit card, which is generally about 3 times your income.