After credit card repayment is received, the corresponding limit can be restored, and cash can be withdrawn after the corresponding limit is restored.

Cash withdrawals with Bank of Communications credit cards are related to your credit limit, which generally does not exceed 50% of your credit limit. If you still have available credit limit on your credit card before repayment, and the last cash withdrawal limit does not exceed the limit, you can withdraw cash at any time without waiting for repayment, but the cash withdrawal limit is limited.

If your cash withdrawal limit has been used up, you can only withdraw cash after the limit is restored after repayment.

The restoration of the credit card repayment limit is related to the time when the repayment is received. Once the repayment is received, the credit limit will be restored immediately. The credit card arrival time is divided into the following situations:

1. If you make automatic repayment through online banking or the bank's ATM machine, it will usually arrive on the same day.

2. If you repay via inter-bank payment, it will usually arrive the next day, no more than 5 working days at the latest.

3. If you repay through payment platforms such as Alipay and Tenpay, there are two types: same-day payment and next-day payment.

The details are still subject to the SMS notification of repayment arrival. To check whether the limit has been restored, you can log in to personal online banking to check the balance, or call the bank or go to an ATM machine to check.

Extended information:

Bank of Communications credit card cash withdrawal fees and interest:

1. Domestic overdraft cash withdrawal fees

Domestic credit card 1% of the transaction amount is charged, with a minimum of RMB 10. For Y-POWER card domestic RMB cash withdrawals, the handling fee is as low as 5 yuan per transaction regardless of whether you are traveling across banks, in the same region, or in different places.

2. Overseas overdraft cash withdrawal handling fee

Overseas cash withdrawal through UnionPay is charged at 1% of the transaction amount plus RMB 12 yuan, with a minimum of RMB 15 yuan. Overseas VISA/MASTER charges 1% of the transaction amount, with a minimum of USD 5 per transaction.

3. Handling fee for overpayment retrieval

Free for the same bank in the same city, 0.5% of the cash withdrawal amount for different places or across banks is charged as handling fee, with a minimum of 10 yuan per transaction and a maximum of 500 yuan /Pen.

4. Bank of Communications credit card cash withdrawal interest standards

Bank of Communications's cash withdrawal interest is calculated daily at a daily interest rate of 5/10,000 from the day of withdrawal until the entire period. Compound interest will be calculated on a daily basis until the cash withdrawal amount, cash withdrawal fees and cash withdrawal interest are paid off.

Baidu Encyclopedia_Bank of Communications Credit Card