The Measures for the Administration of Bank Cards have corresponding provisions on this:

Article 21? When the cardholder chooses the minimum repayment method or uses the card beyond the credit limit approved by the issuing bank, he will no longer enjoy the interest-free repayment period, and will pay the overdraft interest calculated at the prescribed interest rate for the unpaid part from the bank bookkeeping date.

When a cardholder withdraws cash or overdraws with a quasi-credit card, he shall not enjoy the interest-free repayment period and the minimum repayment amount, but shall pay overdraft interest calculated at the prescribed interest rate for the cash transaction amount or overdraft amount from the bank bookkeeping date.

Extended data:

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Relevant laws and regulations of the Measures for the Administration of Bank Cards:

Thirty-fifth account opening units shall establish and improve cash accounts and record cash expenditures one by one. Accounts should be settled daily and monthly, and the accounts should be consistent. Loans issued by individual industrial and commercial households and rural contracted business households shall be paid by transfer.

A foreign-funded corporate bank that intends to set up a branch-level franchise institution such as a credit card center shall apply to the agency of the China Banking Regulatory Commission where it is registered. The dispatched office of China Banking Regulatory Commission, where it is registered, shall report to China Banking Regulatory Commission for approval after preliminary examination.

Article 36? If it is really necessary to buy materials in the market in cash, the bank can pay cash within the loan amount after examination. And adjusted according to the current interest rate adjustment of the People's Bank of China.

Baidu Encyclopedia-Bank Card Management Measures