I recommend using small loans. In addition to a certain percentage of handling fee, credit card withdrawal will also generate 0.05% daily interest. If there is a real need to borrow money, it is more cost-effective to use small loans. Microfinance not only has no handling fee, but also calculates the interest for a few days after borrowing. For example, my own daily interest rate is only 0.03%, which is more cost-effective than cash withdrawal by credit card.