The time that a credit card can withdraw cash depends on the repayment date of the card. The repayment date of credit card is not fixed: if the repayment date is in the first half of each month, the withdrawal date will also be in the first half; If the repayment date is at the end of each month, the withdrawal date will also be at the end of each month. The repayment date of a credit card is generally 18 to 25 days after the monthly credit card bill date, and repayment can be made in advance. Interest-free repayment can be made during the period from credit card consumption to the latest repayment time.
There are two kinds of credit card payment methods, real-time payment and ordinary payment. Real-time arrival means that you can receive the money immediately after handling the credit card cash withdrawal business. Credit card cash withdrawal business that is usually handled at bank counters and ATMs can be received in real time. Ordinary accounts are generally used for online cross-bank cash withdrawal or third-party payment platforms such as WeChat and Alipay. Generally, the arrival time is less than 24 hours, and the actual arrival time is about 2 hours.
Credit card withdrawal fee: fee: different banks have different regulations. For example, CCB credit cards are charged at 0.5% of the cash withdrawal amount, with a minimum of 2 yuan per transaction and a maximum of 100 yuan per transaction; The credit card of China Merchants Bank is charged at 1% of the cash withdrawal amount, with a minimum of 10 yuan per transaction; Interest: calculated at the daily interest rate of five ten thousandths.
The difference between credit card withdrawal and credit card overdraft withdrawal;
1, credit card overdraft withdrawal is the behavior of overdraft withdrawal within the available limit; Credit card withdrawal includes credit card overdraft withdrawal and overflow withdrawal. Credit card "overflow deposit" may occur after the credit card is recharged, and the amount is equal to all deposits MINUS the amount owed in the bill.
2. Cash withdrawal by credit card: No matter how to withdraw cash by credit card, there is a charge. If you overdraw cash, you will be charged two fees. One is the handling fee, which is charged according to the percentage of your withdrawal amount. Advance cash is a small cash loan provided by the bank to customers, and its amount depends on the credit card of the account, and the maximum amount does not exceed 30% of the customer's credit limit. The credit card overdraft withdrawal amount is set according to your card usage. The withdrawal standards of different banks are different, with the minimum not exceeding 30% of the credit line and the maximum being 100% of the credit line.