1. cash advance: cash advance is also called withdrawal, you can directly withdraw money from ATM machines with bank credit cards, and you can also apply for loans from special debit cards through the APP;

2. Cash installment: the cardholder applies to the bank. After the approval of the bank, the credit line in the bank credit card is converted into cash according to the amount applied by the cardholder and transferred to a special savings card, and the cardholder can repay it at a specific time.

Advantages of credit card

1. Cardholders can get products and services without paying in cash, which avoids the troubles and risks of a large amount of cash and is convenient for people to shop and go on vacation;

2. Banks can be used as a means to win deposits from merchants and credit card customers, and deduct a certain percentage of commission according to the total amount of advance payment;

3. The bank credit card is closely connected with the issuing bank. The cardholder's acquiring business and the agency company form a chain debt relationship, which depends on mutual credit;

4. No matter the area, cash needs to be thicker and more complicated than bank credit cards;

5. Cash is easy to be stolen and difficult to recover; Bank credit card theft or loss can be reported directly, reducing many unnecessary losses.