2. In addition to calculating interest, the youth card also charges a cash handling fee. The handling fee for withdrawing cash in RMB in the Youth Card is as low as 5 yuan/transaction, regardless of peers' cross-bank and different places. The interest is calculated according to compound interest, 30 days 15 yuan is a little more, not high. However, long-term overdue credit card overdrafts will still be recorded in bad credit records by banks, so be sure to withdraw them carefully.
The youth card can be cashed out at the ATM of any bank.
4. The interest-free period of the Bank of Communications credit card is 25 to 55 days, and the consumption during the interest-free period does not bear interest. The billing date is fixed, and the repayment date should be calculated according to the billing date. You can check the bill date after receiving the card, and I will calculate it for you. The repayment date is 25 days after the bill date. There is no interest-free period for cash withdrawal, and interest and handling fee will be charged on the day of cash withdrawal.
5. ICBC online banking can be used to directly transfer the repayment to the credit card account in my hometown. As long as your ICBC card has online banking, your Bank of Communications card may not be opened. There must be online banking transfer fee. After activating and setting the password, you can go directly to the ATM to withdraw cash.