Is it the installment fee? If there is no handling fee for cash withdrawals, but if you do not enjoy the interest-free period, you will also be charged an interest rate of 0.05% per day as stipulated by the central bank. If you reapply for a credit card, your two cards will only have one limit, that is, one person and one bank will only have one limit. No matter how many cards you have, if you spend more on the old card, the relative limit on the new card will be lower. .