1) In the regulations on the use of credit cards, ATM withdrawals are basically charged. The usual standard is to charge 1% of the withdrawal amount, with a minimum of 10 yuan; The handling fee for overseas cash withdrawal is higher.
2) If there is "overpayment", the withdrawal fee will still be charged according to the credit card withdrawal standard. In this case, you have to go to the counter according to the procedure of "overpaying for more", and the handling fee is relatively low.
Unlimited Card/Platinum Card: 0.5 ‰ of the withdrawal amount, with a minimum of 5 yuan/transaction or 1 yuan/transaction and a maximum of 50 yuan or 10 USD.
Suppose the credit card has been overdrawn 1000 yuan. If you deposit 3000 yuan and withdraw 3000 yuan at this time, how should the bank charge?
If you need to withdraw 3,000 yuan, it is your own "overpayment", and another 1 1,000 yuan, you need to use the credit line according to the cash advance. Assuming that all withdrawals are made on ATM machines, there will be a cash advance fee, which is calculated as 30 yuan according to 1%; If you go to the counter to withdraw cash, you can pay 2,000 yuan as the handling fee according to the method of overpaying the card payment, which is calculated as 10 yuan at 0.5%, and 1000 yuan is still paid as the handling fee according to the advance cash, which is calculated as 1%, making a total of 20 yuan.
If the cardholder encounters "overpayment", it is best to spend the overpayment by swiping the card to avoid unnecessary expenses.