You can transfer money to a debit card in your own name through our bank's credit card and it will be used as a cash withdrawal, and handling fees and interest will be charged.

The domestic RMB cash advance fee is RMB 1 of the amount of each cash withdrawal, with a minimum charge of RMB 10 per transaction; the overseas cash advance fee is RMB 3 of the amount of each cash withdrawal, with a minimum charge of US$3 per transaction. or RMB 30 (the minimum charge for American Express-Centurion Black Gold Card and American Express-Centurion Platinum Card is US$5 or RMB 30 per transaction). There is no inter-bank handling fee for cash advance.

Cash advances do not enjoy interest-free repayment. From the day of cash withdrawal to the date of repayment, interest will be charged at a daily rate of 0.05%, and compound interest will be charged on a monthly basis. PS: The processing fee for credit card cash advances does not accrue interest.

For example: If you withdraw RMB 1,000 in cash last month, the handling fee is RMB 10, the interest is RMB 15, and you repay RMB 1,025, then the principal will be RMB 15 next month. Interest is calculated again until it is paid off. Our bank will also calculate interest (compound interest) on the interest generated by cash withdrawals. Generally, there will be three periods of interest for cash withdrawals. The first period: from the withdrawal date to the bill date, the second period: from the bill date to the repayment date, and the third period. : It’s compound interest. For the specific interest, please refer to the amount on each period’s bill.