How to withdraw cash with CITIC Credit Card? How much is the handling fee?

Credit cards have many financial service functions. The most commonly used ones are overdraft consumption and cash withdrawal. In daily life, it is inevitable to encounter financial difficulties. At this time, there is no need to panic if you have a credit card. Today I will introduce to you how to withdraw cash with CITIC credit card and how much the handling fee is.

1. Ways to Withdraw Cash with CITIC Credit Card

In addition to withdrawing cash at CITIC Bank branch counters or ATMs, cardholders can also withdraw cash according to the CITIC Credit Card ID they hold. Withdraw cash (or local currency) from ATMs with corresponding logos at home and abroad.

2. Cash withdrawal limit of CITIC Credit Card

1. The cash withdrawal limit of CITIC Credit Card is generally 50% of the credit limit of the credit card;

2. Each cash withdrawal within the country is not allowed Exceeding RMB 5,000;

3. Daily overseas cash withdrawals per card shall not exceed US$1,000 (or other equivalent foreign currencies), and monthly cumulative withdrawals shall not exceed US$5,000 (or other equivalent foreign currencies).

3. CITIC Credit Card Cash Withdrawal Handling Fee

1. Domestic cash withdrawal handling fee is charged at 2% of the cash withdrawal amount, with a minimum charge of RMB 20 per transaction;

2. Overseas cash withdrawal handling fee is charged at 3% of the cash withdrawal amount. The minimum fee per transaction is USD 3, HKD 30, or EUR 3 (except CITIC Blue Card credit card).

In addition, when withdrawing cash with a CITIC credit card, the bank will also charge interest. From the date of withdrawal, the interest rate will be calculated at an interest rate of 0.05% per day, and compound interest will be charged monthly.

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How to withdraw cash with CITIC credit card, this is only dedicated to cardholders with cash needs, remind everyone, credit card cash withdrawal It can only meet temporary needs. If you don’t want to bear greater repayment pressure, you need to pay it off as soon as possible.

How to withdraw cash from CITIC Bank credit card to bank card

There are many correct ways to withdraw money from credit card, such as ATM withdrawal, bank counter withdrawal, and transferring the credit card limit to the bank through mobile banking and online banking. Card etc. These methods will not cause risk control and are also the correct cash withdrawal methods for credit cards.

In addition to the above methods, credit cards also have indirect cash withdrawal methods. For example, a user uses a credit card to help relatives and friends buy things online. After receiving the things, the relatives and friends will pay cash to the user, which is considered a successful withdrawal. Of course there are risks with this approach, friends may owe you money.

There are two ways to withdraw money by credit card.

1. When withdrawing cash by credit card, it depends on whether your credit card has the cash withdrawal function. Generally, credit cards have cash withdrawal limits, and you can withdraw cash directly at an ATM or counter.

If there is no cash withdrawal amount, then if you want to withdraw cash, you can do so in two ways. The first is to use the credit card APP or call customer service to ask for the cash withdrawal amount.

The second method is to swipe T with a credit card machine.

Due to the convenient payment methods of credit cards, there are more and more credit card users, so the phenomenon of cashing out on credit cards is increasing. So how do you withdraw money from your credit card? I tell you. 1. Credit card cash withdrawals require payment of handling fees and interest. The cash withdrawal fee is generally 0.5% of the cash withdrawal amount, and the interest is calculated on a daily basis, and the daily interest rate is about 0.05%. 2. Withdraw the excess money from the credit card and transfer it to my savings card. This time it is not free and a certain handling fee is required, usually 0.5%-3%. 3. You can also transfer money to the UnionPay passbook of any bank at designated bank ATMs in designated cities, but you must have a debit card from that bank and open one of telephone banking, online banking, and mobile banking. 4. The cash installment limit is also different depending on the cardholder's credit limit and card usage history. After the cash installment is successfully processed, the money will be transferred to the debit card in the name of the cardholder. 5. Credit cards must be used rationally and repaid in a timely manner, because seriously overdue credit cards will be included in the conference blacklist. This can do more harm than good. Please remember. Simply put it is 1. Overpayment Transfer 2. Direct credit card transfer. Cash installment transfer.

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How to withdraw cash from CITIC Bank credit card on mobile phone?

The methods for withdrawing cash with CITIC Bank credit cards are:

1. Cash withdrawal at the counter: You can withdraw cash at the counter at any CITIC Bank branch with your credit card and your valid ID and credit card transaction password. .

2. Withdraw cash from CITIC Bank ATMs: You can withdraw cash from CITIC Bank ATMs without inter-bank handling fees.

3. Withdraw cash from other banks’ ATMs: If you can withdraw cash from banks affiliated with UnionPay’s card-issuing organizations, you can withdraw cash from ATMs with corresponding logos at home and abroad;

4. Cash withdrawals from other banks’ counters Cash withdrawal: You can withdraw cash at bank counters that are part of the UnionPay system. You can also withdraw cash at bank counters with corresponding logos overseas (including UnionPay, VISA, MasterCard, JCB, American Express, etc.).

+++++ is set up by the bank to meet the urgent needs of cardholders for cash. The current fee standard for +++++ is very high, and it will be deducted immediately when +++++ is charged. There is a handling fee of 1-3%, and the interest on the amount withdrawn is calculated based on the daily interest rate of 0.5%, and compound interest is calculated on a monthly basis. So please do not use the +++++ function in non-emergency situations.

But now there are people in society who use +++++ to swipe their cards at POS machines to withdraw cash. to circumvent credit card cash-out restrictions.

Extended information:

+++++ is one of the inherent functions of the credit card itself. The cardholder can use the credit card to advance cash from the bank. The process of using the credit card to withdraw cash is called is +++++. But now there are people in society who use +++++ to withdraw cash by swiping their cards at POS machines to circumvent the restrictions on cashing out on credit cards.

+++++ (cash withdrawal) is different from credit card cash withdrawal. +++++ is one of the inherent functions of the credit card itself. Cardholders can use the credit card to advance cash from the bank and use the credit card to withdraw cash. The process is called +++++.

+++++ is set up by the bank to meet the urgent needs of cardholders for cash. The current fee standard for +++++ is very high, and it will be deducted immediately when +++++ is charged. There is a handling fee of 1-3%, and the interest on the amount withdrawn is calculated based on the daily interest rate of 0.5%, and compound interest is calculated on a monthly basis. So please do not use the +++++ function in non-emergency situations.

Bank industry insiders pointed out that there are three main reasons for the rise in credit card risks:

First, because the credit card business itself is in a period of rapid growth, with the substantial growth in credit card consumption and overdrafts, NPLs Loan balances increased simultaneously.

Secondly, affected by the economic downturn, some industries have experienced closures, layoffs, salary cuts, etc., as well as an increase in overdue credit card accounts and an increase in non-performing overdrafts.

Thirdly, according to relevant domestic policies, it is difficult to write off non-performing credit card loans independently, which is also one of the reasons for the increase in the balance of non-performing loans year by year.

Baidu Encyclopedia-+++++

This is the end of the introduction on how to withdraw cash online with CITIC Credit Card and how to withdraw cash and repay online with CITIC Credit Card. I don’t know if you will find you from it. Need the information?