Cash withdrawal by credit card is also called cash advance by credit card. The daily interest rate of cash advanced by credit card is five ten thousandths of the advance amount, which is the same for all banks. The handling fee for cash advance varies from bank to bank, and is generally above 65438+ 0% of the advance amount. If there is an overpayment in the credit card, which is what we often call the deposit balance, there is no need to pay interest for the credit card transfer in the overpayment, but there is still a handling fee. The fees charged by different banks are different. It is recommended to consult the issuing bank.

The specific handling fees for cash advances of major domestic banks are as follows:

ICBC's local banks don't charge fees.

2.5% of the cash withdrawal amount of China Everbright Bank, with the lowest in 3 yuan and the highest in 200 yuan.

1% of the transaction amount of Agricultural Bank, with a minimum of 1 yuan.

1% of the cash withdrawal amount of China Construction Bank, with the lowest 10 yuan and the highest 500 yuan.

Bank of China has no handling fee for local banks.

China Merchants Bank advances 1% cash, and the minimum charge is 10 yuan RMB (the down payment of city series credit cards is free of charge).

65438+ 0% of the transaction amount of Bank of Communications, with the minimum 5 yuan RMB per transaction (new standard).

2.5% of the transaction amount of Ping An Bank, with a minimum of 25 yuan RMB per transaction.

0.5% of the cash withdrawal amount of Minsheng Bank, with a minimum of 65,438 yuan +0 yuan.

Industrial Bank charges 2% handling fee for cash advance, with a minimum charge of RMB 20.

China CITIC Bank charges a handling fee of 3% for cash advance, with a minimum of 30 yuan.

3% of the cash withdrawal amount of Shanghai Pudong Development Bank, with a minimum of 30 yuan RMB.

2.5% of the cash withdrawal amount of Guangfa Bank; The lowest RMB 10 yuan.