The conclusion is: Credit cards can indeed withdraw cash, but there are certain fees and conditions. The following is a detailed description:

Credit card cash withdrawal, as one of its basic functions, is divided into overdraft cash withdrawal and overpayment cash withdrawal. Overdraft withdrawals are subject to interest, which usually starts from the day of withdrawal, while overdraft withdrawals usually only charge part of the handling fee, and the specific regulations depend on the bank.

In China, credit cards with the UnionPay logo can be used to withdraw cash from any ATM machine with the UnionPay logo. However, overseas, due to the limited coverage of UnionPay, non-UnionPay cards may need to go through the international card organization channel to check whether there is a Visa or Mastercard logo on the card to determine the cash withdrawal method.

The credit card cash withdrawal fees of major banks vary. For example, Industrial and Commercial Bank of China and Agricultural Bank of China generally charge a handling fee of 1% of the cash withdrawal amount, with a minimum of 1 yuan and a maximum of 100 yuan. The handling fees of China Merchants Bank and Shanghai Pudong Development Bank are higher, 1 and 2 respectively. If the specific fee involves inter-bank transactions, an additional 2 yuan or more may be charged. It is recommended to consult your bank details before use to choose the most cost-effective method of withdrawing cash.

Withdrawal fees and rules may change over time, so it is best to check the latest bank announcements or obtain the latest information through the bank's official website when needed.