The first scheme is correct. For a 5000 credit card, the withdrawal amount is 50%, which is 2500 yuan. The general withdrawal fee is 65438+ 0% of the withdrawal amount. In addition, the withdrawal amount+withdrawal handling fee is charged with interest at the rate of five ten thousandths per day. Withdraw 2500 yuan, handling fee =2500* 1%=25 yuan, daily interest =(2500+25)*0.05%= 1.2625 yuan. It is recommended not to withdraw cash in general.