What are the ways to withdraw cash with CCB credit card?
Credit card cash withdrawal means that the cardholder obtains the funds within the credit card's cash advance limit in the form of cash through the bank's designated channels. Simply put, it means withdrawing the credit card limit. So, do you know what the CCB credit card cash withdrawal methods are in 2018?
What are the cash withdrawal channels for CCB credit cards?
1. Cash withdrawal at the counter
Daily cumulative limit: 20,000 yuan; monthly cumulative limit: 50,000 yuan.
2. Online banking cash withdrawal
Daily cumulative limit: 10,000 yuan; monthly cumulative limit: 50,000 yuan.
3. Mobile banking cash withdrawal
Daily cumulative limit: 10,000 yuan; monthly cumulative limit: 50,000 yuan.
4. STM (smart teller machine) cash withdrawal
Daily cumulative limit: 20,000 yuan; monthly cumulative limit: 50,000 yuan.
5. ATM cash withdrawal (new)
Daily cumulative limit: 20,000 yuan; monthly cumulative limit: 50,000 yuan.
Note: The above channels have a total daily limit of 20,000 yuan per card and a monthly limit of 50,000 yuan.
Although there is a new way to withdraw cash with CCB’s credit card, it seems that it just adds another way to collect money. You need to be cautious when withdrawing cash with credit card.
You can apply for various credit cards quickly and safely.
I accidentally transferred money to a CCB credit card. How can I withdraw it?
The funds deposited into the CCB credit card will first repay the entire credit card balance. If there is still remaining funds, it will be the credit card overpayment. In addition to giving priority to consumption, customers can also spend it in the following ways. :
1. RMB excess payment: You can transfer RMB excess payment to your bank savings account or other through mobile banking, personal online banking "credit card-cash transfer" function, branch counters, and self-service equipment For credit cards, overpayment funds can be transferred to our bank's accounts in the same city without handling fees; cardholders can also withdraw cash from overpayments through CCB outlets or self-service equipment, and there is no handling fee for overpayment withdrawals from local branches. (Note: Since the Dragon Card E payment card does not have a physical card, when withdrawing cash, you can use "Dragon Card Cloud Quick Pass" to withdraw cash from the main credit card account through contactless methods at ATMs marked with the UnionPay "Quick Pass" logo).
2. Overpayment: After calling 95533, select the # key, then follow the voice prompts and select "3 Credit Card Services" in order, and handle the refund of the overpayment to the debit card through manual service.
(In case of business changes, please refer to the actual situation.)
How to withdraw cash with CCB credit card
Question 1: How to withdraw cash with CCB credit card? Can CCB credit card be withdrawn? Cash withdrawals will charge a certain fee. Depending on the level, the cash withdrawal amount generally ranges from one-half to one-fifth of the consumer credit limit, or even lower.
Cash withdrawals with credit cards are different from consumption. When customers use credit cards to make purchases, the bank will give them an interest-free repayment period. The longest is more than 50 days. Customers must repay within the interest-free repayment period. No fees are paid and the bank makes no money from it.
There is no interest-free period for cash withdrawals. As long as the customer withdraws cash, the bank will charge the customer at least 0.05% interest every day, and some also have handling fees. The handling fee for domestic cash withdrawals is 0.5 of the cash withdrawal amount, with a minimum of 2 yuan and a maximum of 50 yuan. The interest charging standard is based on the daily interest rate of 0.05%, and compound interest is calculated on a monthly basis.
The daily cash withdrawal limit for CCB credit cards will be raised from RMB 2,000 to RMB 5,000. Many young people have expressed "serious concern" about this, but financial experts say it is necessary to remind credit card users that increasing the limit of cash withdrawals in a single day can solve urgent needs, but the more you get, the more you have to pay.
Question 2: Can CCB credit cards withdraw cash? CCB credit cards can withdraw money through ATM machines of various banks or CCB counters.
In addition, is the poster withdrawing your excess deposits (i.e. overdraft payment) from your credit card or withdrawing cash from your overdraft?
If it is an overdraft payment, there is no charge for withdrawing it at the local bank. There is a cash withdrawal fee (the so-called local means that you can withdraw cash within the administrative province where the credit card issuance bank is located. For example, if your card is issued in Suzhou and the issuing bank is the Suzhou branch, there will be no cash withdrawal fee if you withdraw it in Jiangsu Province. Vice versa. If you withdraw money outside the administrative province, there will be a cash withdrawal fee. The rate is 0.5 of the cash withdrawal amount, with a minimum of 2 yuan and a maximum of 50 yuan. In addition, regardless of whether within the province or outside the province, the maximum fee for withdrawal through self-service equipment is 2,000 per card per day. If your deposit is more than 2,000 yuan and you want to withdraw it all at once, you have to go to the counter to withdraw it.)
If it is an overdraft withdrawal, the bank stipulates that the daily cash withdrawal per card should not exceed 2,000 yuan, and the cash withdrawal fee is the amount of cash withdrawn. 0.5, at least 2 yuan, and overdraft cash withdrawal does not enjoy the interest-free period. Starting from the day of cash withdrawal, an interest of 0.5% of the cash amount will be charged every day
For example, if the poster withdraws cash overdraft of 2,000 yuan, 10 Pay it back in a few days
Total *** amount that needs to be repaid = cash withdrawal principal, cash withdrawal handling fee, cash withdrawal interest
=200020000.520000.0510 (10 days of interest)
=20001010
=2020 yuan
In just 10 days, an additional fee of 20 yuan will be incurred. In fact, it is quite high. It is recommended that the poster try not to overdraft and withdraw cash, or after withdrawing cash Please return it as soon as possible~
If the poster has any other questions, you can ask.
Question 3: How to withdraw cash with CCB Long Card credit card? Of course, you can withdraw cash with a credit card. There are two types of cash withdrawals.
1. Overdraft cash withdrawal, the cash withdrawal limit is 50 of your credit card limit, and each card can only withdraw up to 2,000 per day. There are handling fees and interest for overdraft withdrawals. The handling fee is charged at 0.5 of the cash withdrawal amount, with a minimum of 2 yuan and a maximum of 50 yuan. There is no interest-free period for cash withdrawals. The bank will charge interest at a rate of 50,000 per day from the date you withdraw the cash into your account.
2. Take excess payment. If you have excess deposits on your card, that is, overpayments, you can of course withdraw as much as you want, and there is no handling fee for withdrawing overpayments from the China Construction Bank in the province where your card issuance bank is located. But remember, if you go to an ATM, you can only withdraw 2,000 per card per day. If you exceed 2,000, you have to go to the counter to withdraw it. If your overpayment amount is large, such as more than 50,000, then you need to make an appointment at an outlet.
Question 4: How to withdraw cash with CCB credit card? Once you know the card and password, you can withdraw it directly at the counter or self-service equipment.
The daily cash withdrawal cannot exceed 2,000.
Question 5: What type of Dragon Card can you use to withdraw cash with CCB credit card? Cash withdrawal is one of the basic financial functions of CCB credit card. Every credit card has it.
You need to use the excess deposit in the credit card (i.e. overpayment) Or the credit card limit
If it is an overpayment, then there is no cash handling fee for withdrawing it at the local bank.
The so-called local refers to the administrative province where the credit card issuing bank is located. For in-house withdrawals, for example, if your card is issued in Suzhou and the card-issuing bank is the Suzhou branch, there will be no cash withdrawal fee if you withdraw within Jiangsu Province. Conversely, if you withdraw money outside the administrative province or across banks, there will be a cash withdrawal fee. The rate is 0.5 of the cash withdrawal amount, with a minimum of 2 yuan and a maximum of 50 yuan.
In addition, no matter inside or outside the province, the maximum amount you can withdraw through self-service equipment is 10,000 yuan per card per day. If your deposit is more than 10,000 yuan and you want to withdraw it all at once, you have to go to the counter to withdraw it. If it is more than 50,000 yuan, you need to make an appointment
If it is the overdraft limit of the card, the bank stipulates that the daily cash withdrawal per card shall not exceed 10,000 yuan. The cash withdrawal handling fee, regardless of whether it is from a different place, is 0.5 of the cash withdrawal amount, with a minimum of 2 yuan, and overdraft cash withdrawals are not eligible. The interest-free period starts from the day when the cash is withdrawn, and interest of 0.05% of the cash amount is charged every day
For example, the poster withdraws 2,000 yuan in overdraft and pays it back after 10 days
Total* **Amount to be repaid = Cash withdrawal principal, cash withdrawal handling fee, cash withdrawal interest
=200020000.520000.0510 (10 days of interest)
=20001010
=2020 Yuan
Question 6: Can CCB credit cards be used to withdraw cash from ATM machines? Yes, withdrawing cash from an ATM is called an overdraft withdrawal. The interest of 0.05% is calculated from the date of withdrawal. The 0.5% is the daily interest. The interest rate for withdrawing 10,000 yuan per day is 5 yuan.
Please adopt
Question 7: How to withdraw money with CCB credit card? CCB credit card can withdraw money through ATM machines of various banks or CCB counters.
In addition, is the poster withdrawing your excess deposits (i.e. overdraft payment) from your credit card or withdrawing cash from your overdraft?
If it is an overdraft payment, there is no charge for withdrawing it at the local bank. There is a cash withdrawal fee (the so-called local means that you can withdraw cash within the administrative province where the credit card issuance bank is located. For example, if your card is issued in Suzhou and the issuing bank is the Suzhou branch, there will be no cash withdrawal fee if you withdraw it in Jiangsu Province. Vice versa. If you withdraw money outside the administrative province, there will be a cash withdrawal fee. The rate is 0.5 of the cash withdrawal amount, with a minimum of 2 yuan and a maximum of 50 yuan. In addition, regardless of whether within the province or outside the province, the maximum fee for withdrawal through self-service equipment is 2,000 per card per day. If your deposit is more than 2,000 yuan and you want to withdraw it all at once, you have to go to the counter to withdraw it.)
If it is an overdraft withdrawal, the bank stipulates that the daily cash withdrawal per card should not exceed 2,000 yuan, and the cash withdrawal fee is the amount of cash withdrawn. 0.5, at least 2 yuan, and overdraft cash withdrawal does not enjoy the interest-free period. Starting from the day of cash withdrawal, an interest of 0.5% of the cash amount will be charged every day
For example, if the poster withdraws cash overdraft of 2,000 yuan, 10 Pay it back in a few days
Total *** amount that needs to be repaid = cash withdrawal principal, cash withdrawal handling fee, cash withdrawal interest
=200020000.520000.0510 (10 days of interest)
=20001010
=2020 yuan
In just 10 days, an additional fee of 20 yuan will be incurred. In fact, it is quite high. It is recommended that the poster try not to overdraft and withdraw cash, or after withdrawing cash As soon as possible
Question 8: How to calculate the handling fees and interest for cash withdrawals with CCB credit cards? The cash withdrawal fee is 0.5 of the cash withdrawal amount, and the interest is 0.05% per day.
The 5-day handling fee and interest are 10000.510000.055=7.5
Question 9: How much cash can you withdraw with a CCB credit card in a day? CCB credit card, cash withdrawal limit: 5,000 per card per day Yuan, the total amount cannot exceed 50 of the credit limit. The cash withdrawal fee is 0.5 of the cash withdrawal amount, with a minimum of 2 yuan and a maximum of 50 yuan. Interest will be accrued in full from the day of each cash withdrawal, with an interest rate of 0.5% per day and compound interest accrued on a monthly basis.
Complete Guide to CCB Credit Card Cash Withdrawal
The credit card trend that has already emerged in society is now expanding to various industries and corners of society as people's consumption levels continue to improve. Many cardholders try their best to cash out their credit cards, and sometimes they have to use their credit cards to withdraw cash when they encounter difficulties. In this regard, many people have suffered losses because they did not understand the reason.
Taking CCB as an example below, what is the cash withdrawal limit for CCB credit cards? What are the methods for withdrawing cash with CCB credit card? What is the handling fee for CCB credit card cash withdrawal? How to calculate the interest on CCB credit card cash withdrawal?
1. CCB Credit Card Cash Withdrawal Limit
The CCB Credit Card Cash Withdrawal Limit is set based on your card usage. It is included in the credit limit of the credit card. The maximum CCB Credit Card Cash Withdrawal Limit can 50 of the actual limit is reached (the specific situation varies by card). If your RMB account credit limit is 10,000 yuan, the amount you can overdraft and withdraw cash is 5,000 yuan. For specific limits, please call the 24-hour customer service hotline of China Construction Bank Credit Card Center: 95533
2. Cash withdrawal method with CCB credit card
1. Domestic cash withdrawal:
(1) ATM cash withdrawal - Withdraw RMB cash at our bank's ATM or other banks' ATMs with the UnionPay logo using your card and password.
(2) Cash withdrawal at the counter - Withdraw RMB cash at the counter of any of our branches with your card and password.
2. Overseas cash withdrawal:
(1) ATM cash withdrawal - at an ATM with the VISA, [PLUS] or MasterCard, [CIRRUS] or "UnionPay" logo, present the card and password to withdraw local currency.
(2) Cash withdrawal at the counter - Withdraw local currency at bank counters with VISA and MasterCard logos with valid identity documents such as cards and passports.
3. CCB credit card cash withdrawal handling fee
Domestic: 1 of the cash withdrawal amount, with a minimum of 2 yuan and a maximum of 100 yuan;
Overseas (UnionPay network): ( 112 yuan of cash withdrawal amount)/transaction, minimum 14 yuan;
Overseas (non-bank network): 3 cash withdrawal amount, minimum 3 US dollars (European Travel Card: 3 euros).
4. CCB Credit Card Cash Withdrawal Interest
1. CCB Credit Card Cash Withdrawal Handling Fee
(1) Domestic: 1% of the cash withdrawal amount, with a minimum of RMB 2 RMB/transaction, up to RMB 100/transaction;
(2) Overseas (UnionPay network): RMB 112 of the cash withdrawal amount, minimum RMB 14/transaction;
(3 ) Overseas (non-bank network): 3% of the cash withdrawal amount is charged, with a minimum of 3 USD/transaction (European Travel Card: 3 EUR/transaction).
2. Interest on cash withdrawals from China Construction Bank's credit cards
In addition to handling fees, you must also pay interest when withdrawing cash from overdrafts with China Construction Bank's credit cards. You do not enjoy the interest-free treatment. Cash withdrawals from your overdraft will be credited to your account. Cash interest will be charged starting from the date, and the expected annual interest rate per day is 0.05%, and compound interest will be calculated on a monthly basis.
That’s it for the introduction of how to withdraw cash using a credit card.