Cash withdrawals with CCB credit cards can be repaid in installments, but you need to contact customer service by phone to apply, and a certain handling fee will be involved. Unlike credit card consumption, the amount withdrawn in cash needs to be returned in full, and only the money generated by consumption can enjoy the minimum repayment ratio (usually 10). The credit card cash withdrawal function includes overdraft cash withdrawal and overpayment cash withdrawal. Overdraft cash withdrawal will accrue interest from the date of withdrawal, while overpayment cash withdrawal does not require interest, but a certain handling fee may be required. The specific regulations are determined by the bank.

Overdraft cash withdrawal is actually a temporary borrowing service provided by banks to solve the short-term funding needs of cardholders. Cash withdrawal of overpayment refers to the excess funds during repayment. A handling fee is required when withdrawing. The overpayment will be deducted first. If the overpayment amount is greater than the consumption amount, there will be no overdraft. In general, although cash withdrawals with CCB credit cards can be made in installments, it is recommended to avoid cash withdrawals as much as possible to reduce additional fees and maintain a good credit record.