How to withdraw cash from CITIC Bank credit card to bank card
There are many correct ways to withdraw money from credit card, such as ATM withdrawal, bank counter withdrawal, and transferring the credit card limit to the bank through mobile banking and online banking. Card etc. These methods will not cause risk control and are also the correct cash withdrawal methods for credit cards.
In addition to the above methods, credit cards also have indirect cash withdrawal methods. For example, a user uses a credit card to help relatives and friends buy things online. After receiving the things, the relatives and friends will pay cash to the user, which is considered a successful withdrawal. Of course there are risks with this approach, friends may owe you money.
There are two ways to withdraw money by credit card.
1. When withdrawing cash by credit card, it depends on whether your credit card has the cash withdrawal function. Generally, credit cards have cash withdrawal limits, and you can withdraw cash directly at an ATM or counter.
If there is no cash withdrawal amount, then if you want to withdraw cash, you can do so in two ways. The first is to use the credit card APP or call customer service to ask for the cash withdrawal amount.
The second method is to swipe T with a credit card machine.
Due to the convenient payment methods of credit cards, there are more and more credit card users, so the phenomenon of cashing out on credit cards is increasing. So how do you withdraw money from your credit card? I tell you. 1. Credit card cash withdrawals require payment of handling fees and interest. The cash withdrawal fee is generally 0.5 of the cash withdrawal amount, and the interest is calculated on a daily basis, and the daily interest rate is about 0.05%. 2. Withdraw the excess money from the credit card and transfer it to my savings card. This time it is not free, and a certain handling fee is required, usually 0.5-3. 3. You can also transfer money to the UnionPay passbook of any bank at the designated bank ATM in the designated city, but you must have a debit card from that bank. And open one of telephone banking, online banking, and mobile banking. 4. The cash installment limit is also different depending on the cardholder's credit limit and card usage history. After the cash installment is successfully processed, the money will be transferred to the debit card in the name of the cardholder. 5. Credit cards must be used rationally and repaid in a timely manner, because seriously overdue credit cards will be included in the conference blacklist. This can do more harm than good. Please remember. Simply put it is 1. Overpayment Transfer 2. Direct credit card transfer. Cash installment transfer.
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How to withdraw cash from CITIC Credit Card Mobile Card Space
Cash withdrawal from CITIC Credit Card is different from credit card cash withdrawal. Cash withdrawal is one of the inherent functions of the credit card itself. Cardholders can use the credit card to withdraw cash from the bank. Credit card cash withdrawals mainly include overdraft cash withdrawals and overpayment cash withdrawals.
Interest is required for overdraft withdrawals, and interest is calculated from the day you withdraw cash. However, interest is not required for overdraft withdrawals, and you only need to pay part of the handling fee, which depends on the regulations of each bank. .
Extended information:
Cash withdrawal on the Dongka Space APP is a new express service of CITIC Bank’s credit cards. If you want to withdraw money on the Dongka Space, you must have a loan limit in the card. Once the card limit has been exhausted, you cannot borrow money. In the available borrowing amount, choose to click on any of the short-term, medium-term, or long-term borrowing methods. After completing the borrowing process, you can withdraw the money to your bound savings card, thus completing the cash withdrawal function.
If a credit card holder wants to withdraw cash, he or she can only go to a CITIC Bank branch with a valid personal ID card and a CITIC Bank card to collect cash at the counter.
CITIC Bank’s credit cards are not recommended for cash withdrawals because the handling fee is too high. The maximum handling fee deducted by CITIC Bank for one withdrawal is RMB 40. If you cannot withdraw cash, interest will be calculated from that day. You can swipe the card without paying interest for fifty days, or transfer it to Alipay to withdraw cash. Withdraw cash from Thousand Peaks. Regardless of whether you withdraw a hundred or several hundred dollars, a handling fee of dozens of dollars will be deducted. Regulations vary from ATM to ATM. So the handling fees are also different. At least thirty or more.
In addition, the amount of cash withdrawal from the mobile card space cannot be used for investment, but can only be used for consumption. If the bank finds that it is used for other purposes, it may require a one-time withdrawal of the loan.