All banks have to charge a handling fee for credit card overdraft withdrawal, but the charging ratio is not necessarily 3%.

Most banks stipulate in their credit card collection contracts that the withdrawal fee for credit card overdraft is charged, and the rate ranges from 1% to 3%, mainly including overseas withdrawal and domestic withdrawal. Take the credit card withdrawal of China Merchants Bank as an example. The domestic withdrawal fee is 65438+ 0% of the withdrawal amount, and the overseas withdrawal fee is 3% of the withdrawal amount.