CCB’s credit cards cannot be transferred directly. If you have your own extra savings in the card, you can withdraw it at the counter of a CCB branch (above 2,000 yuan) or an ATM machine (maximum of 2,000 yuan per card per day), and open a credit card account There is no handling fee for withdrawing the excess deposits from the credit card at the local bank. Or if you have a CCB savings card, you can also call their service hotline and you can directly withdraw it to the savings card.

If the host needs to overdraft cash, an interest of 0.5% of the cash amount will be charged every day starting from the day of cash withdrawal, and a cash withdrawal fee will also be incurred. The fee is 0.5% of the cash withdrawal amount, at least 2 yuan, per day. The maximum withdrawal limit for each card is 2,000 yuan, and the cumulative cash withdrawals shall not exceed half of the credit card limit.

For example, the poster withdraws 2,000 yuan in cash overdraft and pays it back 10 days later

The total amount that needs to be paid back = cash withdrawal principal + cash withdrawal fee + cash withdrawal interest

=2002000*0.5%+2000*0.05%*10 (10 days of interest)

=200110

=2020 yuan

In just 10 days, an additional fee of 20 yuan will be incurred, which is actually quite high. It is recommended that the host try not to overdraw cash, or pay it back as soon as possible after withdrawing cash.