If you don't have a credit card withdrawal password, of course you can't withdraw cash. I don't know what kind of card you run Guangfa. Many people run those promotional cards just for the cost, and basically won't give you the card password. So they are usually cheated by banks.

For a card, it is best to apply for a standard dual-currency card. These cards will give you a password envelope with the card password on it. This card has the cash withdrawal function.

Therefore, you can't withdraw cash. Probably those non-standard cards. You have to ask Guangfa's customer service for this question. Then I do some shopping. I don't know if you have opened his online banking. Their online banking has online shopping settings. When you don't choose online shopping, you can't buy things online.