Does the credit card ATM take the existing handling fee?
Generally speaking, there will be a handling fee. However, there are also special circumstances. For example, the cardholder takes out part of the excess funds of the credit card. Since this part of the funds is recharged by the cardholder himself, it is generally free to use ATM in the same city. However, the regulations of each bank are different, which shall prevail.
Take China Construction Bank's credit card withdrawal fee as an example:
The domestic handling fee is charged at 1% of the cash withdrawal amount, and the minimum 2 yuan is 100 yuan;
The overseas handling fee is charged by UnionPay according to 12 yuan+1% of the withdrawal amount, with a minimum of 14 yuan and a maximum of16,5438+02 yuan; VISA, MasterCard and JCB charge 3% of each withdrawal amount, with a minimum of $3 or $3 and a maximum of $50 or $50; American Express charges 3% of each withdrawal amount, ranging from 18 yuan to 300 yuan.
In addition to the handling fee, credit card withdrawal will also generate certain interest. This business does not enjoy the interest-free treatment of credit cards. Generally, according to the date when the cardholder uses cash, the interest is calculated at 0.05% per day. In other words, the more cash a cardholder takes out with a credit card, the longer it takes to use it, and the more interest he needs to repay. In addition, when a credit card handles the cash withdrawal business, the maximum cash withdrawal amount shall not exceed 50% of the credit card limit, and shall not exceed the current available credit card limit.