Yes. The cardholder first inserts the credit card into the ATM machine, enters the transaction password, then selects cash withdrawal and enters the withdrawal amount. It’s worth noting that there are limits on how much you can withdraw using a credit card. Different banks have different types of credit card withdrawal limits. Most credit cards cannot withdraw more than 50% of your credit limit.

Will over-spending on a credit card affect the credit limit increase?

After the user's credit card over-spends, generally as long as the user can repay on time, it will not affect the credit card limit increase. However, it should be noted that after excessive consumption on a credit card, minimum repayment or installment repayment is not allowed, and the amount in excess of consumption must be repaid in full. On the other hand, the allowable excess consumption limit of a credit card is not high, generally 10% of the credit limit of the credit card. Appropriate excess consumption will make the bank think that the cardholder has greater consumption needs. It will help cardholders increase their credit limit if their credit status is good.