billing date and due repayment date:
in each bill, the closing date of recorded credit card transactions is called "billing date". The due repayment date is generally around the 18th day after the bill date (whichever is shown in the bill). 3 natural days after the due repayment date is the repayment grace period.
billing dates of different cardholders may be different from each other. For example, if the billing date is 25th of each month, all transactions recorded in each billing period are from 26th of last month to 25th of this month, and the corresponding final repayment date is 13th of the following month. The consumption on the 25th is generally recorded on 26th, and will be included in the next bill.
If you mean cash advance,
Cash advance, also known as cash withdrawal, is a credit card function that provides cardholders with small cash loans. Our credit card supports cash advance through ATM, bank counter, online banking and telephone.
limit: the advance cash limit is generally 5% of the credit limit (except for cards with special provisions). At the same time, the maximum daily cash advance for each card in China is RMB 2,; The cumulative amount of cash advanced by each household on overseas non-UnionPay lines shall not exceed the equivalent of US$ 1, per day, US$ 5, within one month and US$ 1, within six months.
handling fee, interest and limit: handling fee: the handling fee for RMB cash advance in China is 1% of each cash withdrawal amount, and the minimum charge is 1 yuan RMB; The handling fee for overseas cash advance is 3% of each cash withdrawal amount, and the minimum charge is USD 3 or 3 yuan RMB (American Express Card-Centurion Black Gold Card, American Express Card-Centurion Platinum Card is USD 5 or 3 yuan RMB). There is no inter-bank handling fee for cash advance.
interest: advance cash does not enjoy interest-free repayment. From the date of cash withdrawal to the date of settlement, interest will be charged at the daily rate of .5 ‰, and compound interest will be charged on a monthly basis.
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