Cash withdrawal amount and limit of CCB credit card:

1. Credit card withdrawal restriction of China Construction Bank: within the territory of China, the daily cumulative cash withdrawal (withdrawal) amount of each card shall not exceed 5,000 yuan (except overpayment outlets); Outside the country, the daily withdrawal (withdrawal) of ordinary cards does not exceed 500 dollars, the gold card does not exceed 1000 dollars, and the monthly withdrawal does not exceed 5,000 dollars.

2. Withdrawal limit of CCB's credit card: Set overdraft withdrawal limit according to your card usage, and the maximum limit shall not exceed 50% of your credit limit.

3. If the overpaid part of more than 2000 yuan is withdrawn on the same day, you must go to the counter of the branch of China Construction Bank.

China Construction Bank credit card withdrawal fee:

1. In case of overdraft withdrawal, the total amount of accumulated withdrawal shall not exceed 50% of the credit limit, and shall not exceed the currently available credit limit of the card (i.e. credit limit-used credit limit). According to the relevant requirements of the regulatory authorities, within the available cash withdrawal amount, the daily cumulative cash withdrawal amount of each card shall not exceed 2,000 yuan.

If the current handling fee is paid and the interest-free treatment is not enjoyed, the corresponding interest will be charged according to the overdraft time, and the interest will be charged at 0.05%/ day from the date when the cash transaction is recorded. At present, CCB's cash withdrawal handling fee rate is the lowest in the industry, accounting for 0.5% of the cash withdrawal amount, with the lowest handling fee in 2 yuan and the highest in 50 yuan.

2. If it is overpaid cash withdrawal, you can withdraw cash through the counter of CCB outlets. There is no limit of 2,000 yuan, and there is no need to pay the handling fee for overpaid cash withdrawal at the local CCB, just like withdrawing money from a savings card. The fees for overpayment or inter-bank withdrawal are the same as those for overdraft withdrawal.

Summary: In fact, banks do not encourage cardholders to recharge their credit cards, because credit cards use the mode of spending first and then repaying. Therefore, the bank stipulates that a certain handling fee should be charged for the overpayment. If the cardholder encounters "overpayment", it is best to spend the overpayment by swiping the card to avoid unnecessary expenses.

Extended data:

Regarding the handling fee for credit card holders to withdraw "overpayment", the charging bank said that although credit card holders took their own money, they occupied the relevant resources of the bank. Because credit cards are different from ordinary debit cards in handling deposit and withdrawal accounts, and credit cards are used to encourage customers to spend instead of letting cardholders use them as savings accounts, the charges are reasonable.

Moreover, "overpayment" does not count as interest. In other words, it is not good to "recharge" the credit card in advance before spending. If the cardholder wants to increase a certain credit limit, he can apply to the bank customer service center for a temporary credit limit, and there is no need to increase his spending power by "overpaying".

References:

China construction bank-credit card cash withdrawal