There are two methods.

One is to withdraw cash directly. The limit of cash withdrawal is almost one-third of your credit card limit.

But withdrawal After receiving the cash, the interest will be calculated at 50,000 per day, which is not very cost-effective.

The second method is to apply for Shanghai Pudong Development Bank’s universal gold business.

Call the customer service number on your credit card and apply directly for the Universal Credit.

The bank will issue the cash directly to your debit card, which can be repaid in installments,

< p>This interest rate is lower than that of credit card overdraft withdrawal, and it is more cost-effective.