I happen to know a little bit, and I will answer your question by the way. In addition to charging interest of 0.05% per day for inter-bank withdrawals with credit cards of CITIC Bank, a credit card inter-bank withdrawal fee will usually be charged from the day of withdrawal. Currently, the inter-bank withdrawal fee of CITIC Bank credit cards is 2% of the transaction amount, with a minimum of 20 yuan.
In addition, when withdrawing cash with a credit card at an ATM or bank counter, you must pay a handling fee calculated at three percent (3%) of the amount of each cash withdrawal. The minimum fee is 30 yuan or 30 Hong Kong dollars or 3 USD, charged in the currency of the transaction.
At the same time, it should be noted that if the credit limit is used for cash withdrawal transactions, the interest-free repayment period will not be enjoyed. Interest will be charged at a daily interest rate of five ten thousandths (0.5‰) from the bank accounting date until the payment is settled. End of day.
For specific calculation interest rates, please consult the relevant staff at China CITIC Bank.