How much are the cash withdrawal fees and interest of Agricultural Bank of China credit card? How is it collected?

As one of the four major banks in China, Agricultural Bank of China has many customers. Many people have applied for Agricultural Bank of China credit cards. In addition to frequently using credit cards for consumption, people also withdraw cash from credit cards. So, how much are the cash withdrawal fees and interest of Agricultural Bank of China credit card? How is it collected? Let me answer it for you today.

1. Handling Fees

Agricultural Bank of China's credit card handling fees are collected differently at home and abroad, and the methods of cash withdrawal are different, so the handling fees are also different.

1. Domestic: If the domestic bank withdraws cash, the handling fee is calculated based on 1% of the cash withdrawal amount, and the minimum is only 1 yuan/transaction; if the domestic bank withdraws cash, the handling fee is based on the cash withdrawal amount. 1% of the amount is charged at RMB 2, with a minimum of RMB 3 per transaction; if it is an emergency cash withdrawal within the country, the handling fee is calculated based on 2% of the cash withdrawal amount, and a minimum of RMB 2 will be charged.

Overseas: If you withdraw cash with UnionPay overseas, the handling fee is 1% of the cash withdrawal amount. If you withdraw cash overseas without UnionPay, the handling fee is based on the cash withdrawal amount. Calculated at 3%, the minimum requirement is US$3/transaction.

2. Interest

Agricultural Bank of China's credit card cash withdrawal interest is charged at a daily interest rate of 5/10,000 from the day of the cash withdrawal transaction, and compound interest will be calculated monthly.

The above is a summary of the handling fees and interest required for cash withdrawals with Agricultural Bank of China credit cards. The handling fees will vary depending on the location and method of cash withdrawal. Friends who need to withdraw cash from their Agricultural Bank of China credit cards You can refer to the above content to get a general understanding of how much handling fees and interest it will cost if you withdraw cash by yourself.

How much are the handling fees and interest for cash withdrawals with Agricultural Bank of China's credit cards?

The charging standards for cash withdrawals with Agricultural Bank of China's credit cards are as follows: 1. Domestic cash withdrawals: the handling fee is 1% of the cash withdrawal amount, with a minimum of 1 yuan /transaction; if cash is withdrawn across banks, the handling fee is 1% of the cash withdrawal amount and 2 yuan, with a minimum of 3 yuan/transaction.

2. Overseas (UnionPay network) cash withdrawal: the handling fee is 1% of the cash withdrawal amount, 12 yuan. Agricultural Bank of China's credit card cash withdrawal interest calculation method is as follows: Credit card cash withdrawals cannot enjoy the interest-free period. The bank will charge cardholders interest at a daily interest rate of 0.05% starting from the overdraft withdrawal transaction date, and compound interest will be charged monthly.

1. Agricultural Bank of China credit card cash withdrawal handling fee

1. Domestic cash withdrawal

1) The Bank’s cash withdrawal fee: the handling fee is charged at 1% of the cash withdrawal amount, with a minimum of 1 Yuan/transaction;

2) Cash withdrawal from other banks: handling fee is charged at 1% of the cash withdrawal amount, 2 Yuan, with a minimum of 3 Yuan/transaction;

3) Emergency cash withdrawal: handling fee The fee is 2% of the cash withdrawal amount, with a minimum of 2 yuan/transaction.

2. Overseas

1) UnionPay cash withdrawal: handling fee is charged at 1% of the cash withdrawal amount, 12 yuan;

2) Non-UnionPay cash withdrawal: handling fee The fee is 3% of the cash withdrawal amount, with a minimum of US$3 per transaction.

2. Agricultural Bank of China credit card cash withdrawal interest

Interest will be charged at a daily interest rate of 0.05% from the day of the cash withdrawal transaction, and compound interest will be calculated monthly.

3. For domestic cash withdrawals from Agricultural Bank of China, the handling fee is calculated at 1% of the cash withdrawal amount; for domestic cross-bank cash withdrawals, the handling fee is calculated at 1% and 2 yuan of the cash withdrawal amount. For overseas UnionPay cash withdrawals, the handling fee is calculated at 1% of the cash withdrawal amount; for overseas non-UnionPay cash withdrawals, the handling fee is calculated at 3% of the cash withdrawal amount. Agricultural Bank of China credit card cash withdrawal interest is charged from the day of the cash withdrawal transaction at a daily interest rate of 0.5%, and compound interest is calculated on a monthly basis.

4. Cash withdrawal with Agricultural Bank of China credit card

1. Agricultural Bank of China credit card users can withdraw money with UnionPay logo or VISA logo displayed on the face of your credit card at home or abroad. ATM machine, you can withdraw cash with the transaction password. You can also withdraw local currency at the counters of various Agricultural Bank of China outlets or overseas bank outlets with the logo of relevant credit card organizations or VISA and other companies.

2. Agricultural Bank of China credit card cash withdrawal handling fee

(1). Domestic banks: 1% of the cash withdrawal amount, minimum RMB 1 yuan/transaction

( 2). Domestic other banks: 1% of the cash withdrawal amount, RMB 2, with a minimum of RMB 3 per transaction

(3) Overseas (UnionPay network): 1% of the cash withdrawal amount, RMB 12

< p>(4) Overseas (non-bank network): 3% of the cash withdrawal amount, minimum USD 3/transaction (or equivalent in other foreign currencies)

5. Cash withdrawal interest with Agricultural Bank of China credit card

< p>Agricultural Bank of China's credit card cash withdrawals cannot enjoy the interest-free period. Interest will be charged at a daily interest rate of 5/10,000 from the date of the overdraft withdrawal transaction, and compound interest will be charged monthly.

What is the interest rate of Agricultural Bank of China's credit card?

Agricultural Bank of China's credit card does not require interest for swiping the card and repaying it on time. Interest is only required when the credit card is overdue, minimum repayment, or cash advance. Interest is calculated on a daily basis, and the daily interest rate is 0.05%. The following is the calculation method of interest:

1. Overdue repayment

Interest = overdue amount × daily interest rate × day of transaction The number of days until the due date is paid off.

2. Minimum payment amount repayment

The first part of interest = total bill amount × daily interest rate × number of days from the transaction day to the day before the minimum payment amount is repaid;

The unpaid interest = the unpaid amount × daily interest rate × the number of days from the minimum payment amount to the day before the debt is paid off;

Total interest = the unpaid interest on the first part of interest.

3. Cash advance

Interest = total cash advance × daily interest rate × number of days from the day of cash withdrawal to the day before the debt is paid off.

Agricultural Bank of China credit card application conditions:

1. A natural person who is over 18 years old and has full capacity for civil conduct.

2. Have a good credit record and comply with the relevant regulations on bank credit card credit management.

3. Have legal, sufficient and stable income or assets.

4. Have a fixed residence, stable job, or stable business location within the territory.

5. If credit is granted based on the application score, the application score must meet the minimum requirements of the bank.

Any individual who is over 14 years old can apply for a supplementary credit card from Agricultural Bank of China with the consent of the main cardholder.

The Agricultural Bank of China credit card application information is as follows:

The most basic one is of course personal identification, including a copy of resident ID card or military officer ID. In addition, if you are a compatriot from Hong Kong, Macao, Taiwan or a foreigner If you apply in mainland China, you will also need to provide proof of employment.

Then there is the basic proof of personal income and financial resources, including salary certificate from the unit or company, a copy of social security (paid for more than half a year), etc.

The last is the auxiliary information for applying for a credit card: academic qualifications, professional titles, professional qualification certificates, self-owned real estate certificates, self-owned car driving licenses, telephone, water, electricity, and gas bills for the past three months in the current place of residence. The original of any document, a copy of a time deposit certificate issued at the Agricultural Bank of China with an amount exceeding 10,000 yuan, etc.

As we all know, the more detailed materials you provide and the more materials you have to prove your creditworthiness and financial resources, the greater the possibility of applying for a card and the higher the card limit.

That’s it for the introduction of how to calculate the interest on cash withdrawals with Agricultural Bank of China’s credit cards.