If you withdraw cash by credit card, you need to pay interest in addition to handling fees and the like. If you can pay off your debts before the interest-free repayment date, friends can pay online, such as Alipay.

Transfer the cash in your credit card to another bank savings card by payment, and then withdraw it, avoiding the handling fee and interest. (Of course, credit card debt needs to be paid off within the interest-free period, and interest is still required. )