The reasons are as follows.

1. High credit limit: The cardholder has a good credit record and the credit limit given by the bank is high, and he can withdraw 400,000 yuan at a time.

2. Installment payment: When cardholders use credit cards for consumption, they can choose to pay the consumption amount in installments, so that they only need to pay back a relatively small part every month, but the total amount needs to be repaid. The amount may be higher than the actual consumption amount, so it is possible to pay out 400,000.

3. Withdraw cash: Credit cards have a cash withdrawal function. Cardholders can withdraw cash from ATM machines through their credit cards, but usually a certain fee and interest will be charged on the amount of cash withdrawn. If the cardholder withdraws 400,000 in cash, it is possible that 400,000 will be withdrawn.