A maximum of 50 of the credit limit can be withdrawn, and the other 50 can be spent by credit card; if there is no cash withdrawal, the entire credit limit can be spent by credit card.

Extended answer:

Hunan Hot Purchase Card Sanxiang Edition is a cross-business district, comprehensive and platform credit card product launched by China Construction Bank Hunan Branch.

By integrating the resources of CCB’s high-quality members and preferential merchants, and loading a variety of industry application functions, it can meet customers’ all-round life consumption needs and achieve “one card for multiple uses” and “burden reduction” on wallets.

There will be handling fees and interest for overdraft withdrawals. The domestic cash withdrawal handling fee is 0.5 of the cash withdrawal amount, with a minimum of 2 yuan and a maximum of 50 yuan. Interest will be calculated at a daily interest rate of 5/10,000 from the date of cash withdrawal, and compound interest will be calculated on a monthly basis.

Cash installment:

It means that the cardholder applies to CCB to use his credit card to withdraw small amounts of funds, and repays them equally in several installments. After approval, CCB will transfer the funds to the cardholder. It is a business in which the cardholder repays a personal payment account on a monthly basis within an agreed period and pays a certain handling fee.

Cash installment application amount:

The maximum amount shall not exceed the cardholder’s available credit limit and the cumulative amount shall not exceed RMB 50,000. If the credit limit is 10,000, if it is not used, you can apply for a cash installment of up to 10,000.