Credit cards can undoubtedly perform cash withdrawals at ATMs, a function often referred to as cash withdrawals or cash advances. There are two main ways to withdraw cash: credit limit cash withdrawal, which means overdrafting the credit card limit to obtain cash; the other is overdeposit cash withdrawal, which uses the balance in the credit card or the excess funds during repayment to withdraw cash.

However, no matter which cash withdrawal method you choose, you will inevitably need to pay additional handling fees, and the fee standards vary from bank to bank. In addition to handling fees, overdraft cash withdrawals will also accrue interest, which is calculated monthly from the date of cash withdrawal and will not stop until the borrower repays the entire amount. Usually, the cash withdrawal limit accounts for a limited proportion of the credit card credit limit. For example, if your credit limit is 10,000 yuan, the cash withdrawal limit will generally not exceed 5,000 yuan.

In China, if the credit card bears the UnionPay logo, the cardholder can withdraw cash at any ATM with the UnionPay logo. However, overseas, since the UnionPay system does not have global coverage, cash withdrawals in non-UnionPay areas may need to be processed through international card organizations. This depends on whether your card supports the network of international card organizations such as Visa or MasterCard.

In general, credit card cash withdrawal is a financial service, but you need to pay attention to related fees and cash withdrawal limit limits when operating. For more detailed information, please refer to the relevant encyclopedia information on credit card cash withdrawals.