1. Compared with direct cash withdrawal by credit card, the advantage of cash advance by credit card is more obvious. Banks generally stipulate that the daily withdrawal amount of cardholders should not exceed 2,000 yuan, the cumulative withdrawal amount should not exceed 50% of the credit line, and the cash advance of credit cards is generally 80%. From the cost point of view, credit card cash withdrawal charges interest at the interest rate of 0.5 ‰ on the day of cash withdrawal, which is equivalent to the annual interest rate of 18.25%, while credit card cash is charged by installments of about 9% in advance. It should be noted that credit card advance cash loan belongs to the service provided by the bank to a specific group of people, and those who have not received the invitation cannot handle it.

2. The loan amount is different. Credit card withdrawal can only withdraw up to 50% of the amount, and each card can only withdraw 2000 per day. The loan amount of advance cash is close to 80% of the credit limit, and some banks will temporarily increase the credit limit of cardholders before advance a certain proportion of cash, which is equivalent to 100% of the original credit limit.

3. Different charges: Another advantage of cash advance business is interest-free and interest-free. After the credit card is withdrawn, the bank will charge interest and handling fee at the rate of five ten thousandths per day. After the credit card advances cash, the cardholder only needs to pay the installment fee, which is similar to the installment fee of the credit card installment shopping business. Credit card advance cash: referred to as advance cash, refers to the cardholder's overdraft with credit line. Prepaid cash will receive overdraft interest from the bank bookkeeping date. Credit card advance cash limit refers to the maximum amount that cardholders can withdraw cash by using credit cards through ATM and other self-service terminals. Cash withdrawal by credit card: Cash withdrawal by credit card is different from cash withdrawal by credit card. Cash withdrawal by credit card is one of the inherent functions of credit card itself. Cardholders can withdraw cash from the bank by credit card. Credit card withdrawal mainly includes overdraft withdrawal and overpayment withdrawal.