There is no handling fee when using credit cards (including China Guangfa Bank) in other places. For credit cards issued by banks, as long as the merchant has the corresponding card swiping channel, you can swipe the card normally for consumption without regional restrictions. Most domestic credit cards are UnionPay cards. There is no handling fee when swiping the card at UnionPay channels in any region of the country or abroad.

If you use Guangfa Bank credit card to withdraw general cash from other places, there will be a handling fee (excluding platinum cards and special cards).

1. When customers withdraw cash from credit card overdrafts in China, RMB, US dollar, Hong Kong dollar or dual currency credit cards will charge a handling fee of 2.5% of the cash withdrawal amount. Among them, RMB and dual currency cards will charge a handling fee of 2.5% of the cash withdrawal amount. The handling fee is 10 yuan. If it is a GF Platinum Credit Card, Infinite Card or World Card, you are exempt from the cash withdrawal fee of GF Credit Card.

2. When customers withdraw cash from credit card overdraft overseas, RMB, US dollar, Hong Kong dollar or dual currency credit cards will charge a handling fee of 3% of the cash withdrawal amount. Among them, the RMB card handling fee is 15 yuan, US dollar card charges 5 US dollars, Hong Kong dollar card costs 40 Hong Kong dollars, while dual currency card charges 3 US dollars or 15 yuan. Infinite Card or World Card credit cards are exempt from GF credit card cash withdrawal fees.

Tips:

Credit card cash withdrawals will also charge an interest rate of 0.5% per day, so it is best not to withdraw cash.