How to withdraw cash from China Construction Bank credit card
With the development and popularization of credit cards in our country, people's lives have been greatly facilitated and the speed and efficiency of market transactions have been improved. Among them, the credit cards of major banks Cash can be withdrawn, so how do you withdraw cash with a China Construction Bank credit card? How long does it take for the cash to arrive after withdrawal? Let’s take a look at the China Construction Bank method and arrival time with Kabaobao.
Construction Bank method
Cash cards can be withdrawn with CCB credit cards. There are two main methods of withdrawal:
1. Use credit limit to withdraw cash
Using credit card limit to withdraw cash is a small-amount fund realization method provided by China Construction Bank to bank users for emergency use, and can be used for temporary purposes.
The fund limit for overdraft withdrawal generally does not exceed 50% of the credit card credit limit. Using this withdrawal method will incur certain handling fees and interest.
2. Use overpayment to withdraw cash
The funds withdrawn through overpayment are the funds that the user has previously deposited in the credit card or overpaid during repayment. The daily limit for cash withdrawals in this way is less than 5,000 yuan. If it exceeds 5,000 yuan, you need to go to the local bank counter.
Construction Bank method
There are two main ways to use CCB in the country:
1. Use an ATM to withdraw cash, which can be a CCB ATM or another bank. ATM machine.
2. Withdraw cash at the bank counter. Bank staff will help users fill in relevant documents and complete the withdrawal.
The time it takes to receive money from China Construction Bank
It takes about two hours, and it is different every time, but it takes half an hour at the fastest. When withdrawing money, corresponding prompts will be given, and generally speaking, it will not exceed the time shown above.
If the withdrawal is made before 16:00 on the same day, then it will be received before 23:59 on the same day;
If the withdrawal is after 16:00 on the same day, then it will be received before 23:59 on the next day Arrive.
Warm reminder:
1. The specific arrival time is subject to the page prompts when withdrawing cash. If you have submitted a withdrawal application, please follow up and pay attention to the credit card funds;
2. If it times out and no single withdrawal of funds is credited to the bank card, please verify whether multiple funds were withdrawn to the same bank card within one day. If so, the funds may be merged into one and credited to the bank card ( For example: if you withdraw a sum of 1 yuan and a sum of 2 yuan to the same bank card at 9:00 and 10:00 respectively, the funds may be merged into a sum of 3 yuan and credited to the bank card). Please check the credit card details carefully later. funds.
Four methods for cardless withdrawals with CCB credit cards
Operating environment:
Brand model: iPhone13
System version: iOS15.3.1
App version: v5.6.7.001
1. Directly find an ATM machine with cardless withdrawal function, select cardless withdrawal, enter the bank card, password and withdrawal amount. You can withdraw money directly;
2. Download the China Construction Bank mobile banking and apply for "special withdrawal". After the application is successful, the special withdrawal ID will be sent to the mobile phone number of the transaction notification via SMS, and then the special withdrawal ID and You can use the password to withdraw money from the autonomous teller machine after construction.
3. Use "Dragon Pay Withdrawal" on the CCB ATM machine, select the mobile PAY withdrawal button, and then use CCB mobile PAY to get close to the ATM machine and then handle the withdrawal. This withdrawal method requires a mobile phone.
4. You can complete the withdrawal operation by exchanging cash with others through mobile banking transfer.
CCB Credit Card is a credit card issued by China Construction Bank. All credit cards issued by China Construction Bank are named "Dragon Card", and the types include: Dragon Card Prestigious School Card, Dragon Card Business Card, Dragon Card Car Card, etc.
Knowledge:
No annual fee policy: swiping the Gold Card 3 times or 18 times will waive the annual fee for the following year (excluding special cards such as business cards and car cards);
Cash withdrawal handling fee: Domestic: 5‰ of the transaction amount, minimum 2 yuan, maximum 50 yuan; overseas: 3‰ of the transaction amount, minimum 3 US dollars.
Multiple account management: unlimited quota, multiple CCB cards have the same billing date, and independent repayments;
Online payment: Alipay: you can use it after registering online. The transaction and single-day limits are both 500 yuan;
Instalment business: interest-free installments (3, 6, and 12 installments) from specific merchants are supported. After a single purchase of more than 1,000 yuan, you can call to apply for installments (3, 6, 12, 18, 24 installments). Each installment will incur different handling fees depending on the number of installments;
Billing day: Every There are multiple monthly billing dates, and cardholders can change them once a year during the validity period of the card;
Currency: RMB, RMB/USD, RMB/EUR.
Interest:
During the interest-free repayment period: The interest-free repayment period refers to the interest-free period for consumption transactions enjoyed by cardholders who repay in full on time. The interest-free period starts from the bank accounting date to the repayment date, with a minimum of 20 days and a maximum of 50 days. Overdraft cash withdrawal transactions do not enjoy the interest-free repayment period.
Tips:
If you fail to repay the loan in full before the due payment date, you will not enjoy the interest-free period. China Construction Bank will charge interest at a daily rate of 5/10,000 and compound interest on a monthly basis. The interest accrual date is from the date of consumption to the repayment date, and the interest accrual principal is calculated based on the actual amount payable.
If you fail to repay before the due payment date or the repayment amount is less than the minimum repayment amount, China Construction Bank will not only charge interest according to regulations, but also charge the unpaid portion of the minimum repayment amount. 5. Charge late fees.
Calculation example:
Assume that your bill date is the 17th of a certain month, and the due payment date (taking 30 days per month as an example) is the 17th of the next month (if If the month has 31 days, it will be the 16th of the next month, and the size of the month is calculated accordingly).
If you spend 10,000 yuan on April 15, and the consumption is credited to your account on that day, the bank accounting date will be April 15, because your bill date is April 17 date, the due date for repayment is May 7, 20 days after the bill date, and the longest interest-free period for this consumption is 23 days;
If you spend 10,000 yuan on April 18, and If the consumption amount is credited to your account on the same day, the bank accounting date will be April 18. Since the consumption amount should be debited on the statement date of May 17, it will be June 6 before the due date of repayment. If there are 50 days, the maximum interest-free period for this purchase is 50 days.
During the recycling period:
Revolving credit generally means that the credit limit of a credit card can be recycled. As long as the customer can repay in time (including repayment according to the minimum repayment method) after each use of the limit, it can be used repeatedly and does not need to be applied before each use. Revolving credit is the inherent attribute and main function of credit cards, which brings convenience to cardholders.
Interest calculation for revolving credit:
Each consumption amount in the previous statement is the interest-bearing principal, from the date the account is recorded until the account is paid off The number of interest accrual days is the number of days to accrue interest; the revolving credit interest rate is uniformly stipulated by the People's Bank of China, with a daily interest rate of 5/10,000, and compound interest is calculated on a monthly basis. Interest on the revolving credit will be stated on your next bill.
Calculation example:
Assume that your bill date is the 7th of each month and the repayment due date is the 27th of each month. If you spend 10,000 yuan on March 20, and the payment is credited to your credit card account on March 23 (i.e., the accounting date), your statement on April 7 will list: All dues for this period are repaid The amount is 10,000 yuan, and the minimum repayment amount is 1,000 yuan. If no other transactions are recorded from April 8 to May 7, and you pay the minimum repayment amount of 1,000 yuan on April 27, the bill on May 7 will not include the unpaid portion of the consumption amount. In addition to 9,000 yuan, an additional 225 yuan of interest will be included.
I accidentally transferred money to a CCB credit card. How can I withdraw it?
The funds deposited into the CCB credit card will first repay the entire credit card balance. If there is still remaining funds, it will be the credit card overpayment. In addition to giving priority to consumption, customers can also spend it in the following ways :
1. RMB excess payment: You can transfer RMB excess payment to your bank savings account or other through mobile banking, personal online banking "credit card-cash transfer" function, branch counters, and self-service equipment For credit cards, overpayment funds can be transferred to our bank's accounts in the same city without handling fees; cardholders can also withdraw cash from overpayments through CCB outlets or self-service equipment, and there is no handling fee for overpayment withdrawals from local branches. (Note: Since the Dragon Card E payment card does not have a physical card, when withdrawing cash, you can use "Dragon Card Cloud Quick Pass" to withdraw cash from the main credit card account through contactless methods at ATMs marked with the UnionPay "Quick Pass" logo).
2. Overpayment: After calling 95533, select the # key, then follow the voice prompts and select "3 Credit Card Services" in order, and handle the refund of the overpayment to the debit card through manual service.
(In case of business changes, please refer to the actual situation.)
How to withdraw cash from CCB credit card to bank card
CCB can operate it through bank counters or ATM machines . At present, withdrawals from mobile banking are temporarily unavailable. Generally, cash withdrawals can only withdraw up to 50 of the credit limit, and only 5,000 yuan can be withdrawn per card per day.
Credit card cash withdrawal is different from credit card cash withdrawal. Credit card 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 withdrawal mainly includes overdraft cash withdrawal and overpayment cash withdrawal. . Overdraft withdrawals require interest, and interest is calculated from the day you withdraw cash, while overdraft withdrawals do not require interest and only require a partial handling fee, depending on the regulations of each bank.
It should be noted that the bank card logos under the Visa international credit card organization include Visa Elecron Interlink Plus Visacash, which includes the credit card under Visa, which can withdraw cash and overdraft, the debit card under Elecron Visa, which can withdraw cash but cannot overdraft, and the ATM card under PlusVisa. You can only withdraw cash without overdraft. InterlinkVisa's interlink transfer cards can withdraw cash with the card with the "no overdraft" mark.
At present, if there is a UnionPay logo on a credit card, it means that the card has joined the China UnionPay organization. Cardholders can withdraw cash at any ATM with the UnionPay logo.
Except for Hong Kong, Macao and Taiwan, there are many countries where the UnionPay system is not popular, so most overseas cash withdrawals need to go through the channels of international card organizations. This depends on whether the card you hold is an international card. It is easy to identify international cards by looking at whether there are logos of credit card organizations such as Visa or Master on the credit card in addition to UnionPay.
The overdraft cash withdrawal limit is set according to the cardholder's card usage, and the maximum limit does not exceed 50% of the cardholder's credit limit. The daily ATM cash withdrawal limit per person per card is 2,000. In addition to the cash withdrawal fees for credit card withdrawals, interest must be paid for overdraft withdrawals at home and abroad. Some banks can enjoy interest-free treatment.
Overpayment cash withdrawal is when the cardholder withdraws the funds stored in the card or the funds overpaid during repayment. Overpayment can automatically increase the available limit of the main card, but does not increase the available limit of the supplementary card. If there is a need to increase the available limit of an additional card, the cardholder should call the bank's telephone service hotline to apply.
Credit card cash withdrawals mainly include overdraft cash withdrawals and overdraft cash withdrawals. Overdraft cash withdrawals are small cash loans provided by banks to cardholders, which help cardholders flexibly allocate funds when they are in urgent need. .
Cash withdrawal of overpayment refers to the funds that credit card customers overpaid when repaying or the funds deposited in the credit card account. A certain amount of handling fee is required to withdraw the overpayment. This amount can increase the available limit of the cardholder's credit card or be used directly for consumption repayment. If there is an overpayment on the credit card, the overpayment will be deducted first and then the credit limit. If the overpayment is greater than the consumption amount, there will be no overdraft.
That’s it for the introduction of how to withdraw money with CCB credit card.