credit card available amount = total credit card amount-spent amount, which simply means how much credit card is available before repayment.

Withdrawable amount = credit card withdrawal amount-withdrawn amount, which is the amount you can withdraw before repayment.

the withdrawal amount of general credit cards is 3-5% of the total amount of credit cards, and now some credit cards have reached 1%.

handling fee for cash advance in domestic banks of major banks:

ICBC local bank has no handling fee

2.5% of the cash withdrawal amount of China Everbright Bank, the lowest 3 yuan, the highest 1% of the transaction amount of 2 yuan Agricultural Bank, the lowest 1% of the cash withdrawal amount of 1 yuan Construction Bank, the lowest 1 yuan RMB, and the highest 5 yuan

China Bank has no handling fee

China Merchants Bank. The minimum charge is 1% of the transaction amount of Bank of Communications in RMB 1 yuan (the first charge is free for city series credit cards), 2.5% of the transaction amount of Ping An Bank in RMB 5 yuan (the new standard), .5% of the cash withdrawal amount of Minsheng Bank in 25 yuan, and 2% of the cash advanced by Industrial Bank in 1 yuan. The minimum charge is 3% of the cash advanced by 2 yuan

China CITIC Bank, 3% of the cash withdrawn by 3 yuan

Shanghai Pudong Development Bank and 2.5% of the cash withdrawn by 3 yuan

China Guangfa Bank. Minimum RMB 1 yuan