how to withdraw cash from a credit card?

++++can be directly extracted by ATM.

for domestic withdrawals, the handling fee is calculated at 1% of each cash advance, and the minimum charge is 1 yuan RMB. Cash advance transactions do not enjoy interest-free repayment, and interest is charged at the daily interest rate of .5 ‰ from the trading day until the settlement date, with compound interest on a monthly basis.

If you don't want to be charged a higher handling fee, you can use Alipay to withdraw cash:

1. To open online banking, first make sure that your credit card supports online banking, and if so, please open it;

2. Make sure that your credit card can pay for Taobao Alipay, and it must be your own Alipay;

3. Transfer the credit card money to your personal Alipay account, and make sure that the card you withdraw from Alipay is a debit card (savings card), not a credit card or debit card;

4. It takes 5-1 days to withdraw the money from the credit card, and the minimum income is 2%.

Extended information:

Credit card cash withdrawal mainly includes overdraft cash withdrawal and overpayment cash withdrawal.

1. overdraft withdrawal refers to the credit line provided by the bank for credit card customers, which is not only used for credit card consumption, but part of it can be used by cash withdrawal. Counting the+++provided by the bank to the cardholder, interest will be calculated from the date of withdrawal and the handling fee will be paid.

2. Overpayment refers to the extra money paid by credit card customers when they repay. The extra money is not the money provided by the bank, but their own part, so all of it can be withdrawn naturally, because it does not need to pay interest if it is not a loan provided by the bank. However, through bank withdrawal, you need to pay a handling fee.

3. Generally, the cash withdrawal limit of banks is set at 5% of the credit limit, but some banks will give it to 1%, such as Bank of Communications Guangfa. Depending on the card type of the bank, of course, the daily cash withdrawal amount is also different. Xiaobian extracted several pieces of information from the bank official website as follows:

Bank of Communications: it is set according to the card usage and is included in the credit limit of the credit card, which is generally 5% of your credit limit.

citic: the limit of overdraft withdrawal is set according to the cardholder's card usage, and the maximum is not more than 5% of the cardholder's credit limit, and the daily limit of ATM withdrawal per card per person is 2.

ping an: the cash withdrawal limit is 5% of the credit limit. The maximum daily withdrawal limit of ATM or counter with UnionPay logo is RMB 5,, and the maximum withdrawal limit of each card is RMB 3,.

agricultural bank of China: the cumulative amount of each card shall not exceed RMB 2, per day, and cash shall be borrowed in advance at ATM, with a maximum of 5 times per card per day.

ICBC: Cash withdrawal from ATMs in China is at most 5 times a day, with a cumulative amount of no more than 2, yuan per day, and the cumulative amount of overpayment is no more than 5, yuan.

guangfa: domestic advance loan, with the daily cash advance amount of each card using the credit line not exceeding RMB 2,; The maximum amount of cash withdrawn from the ATM every day for each card is not more than RMB 5, (there is enough overflow, and at least the repayment is more than RMB 3,)

Can I withdraw cash from Baidu Encyclopedia-++++

What is the withdrawal amount?

Can you withdraw cash from a credit card?

The use of credit cards has become very popular, and many banks will recommend to users to apply for credit cards. Different people have different credit limits, and they can enjoy a certain interest-free period of credit card swiping, and then they can repay the loan when it expires. Then, can they withdraw cash from a credit card?

Cash withdrawal from credit cards mainly includes overdraft cash withdrawal and overpayment cash withdrawal. Interest is required for overdraft withdrawal, which is calculated from the date of withdrawal, while interest is not required for overpayment withdrawal.

Cash withdrawal from credit card overdraft:

The overdraft amount is set according to the credit card used by the cardholder, and the maximum limit does not exceed 5% of the cardholder's credit card limit. In addition to the service charge, credit card cash also pays interest for overdrafts at home and abroad, and some banks can enjoy interest-free treatment.

Cash withdrawal of credit card overpayment:

It refers to the amount that the cardholder withdraws from the card or overpays when repaying. Overpayment can be used to automatically increase the available amount of the main card. Cardholders can call the bank telephone service hotline to apply for the available quota of supplementary cards.

Take the credit card of China Merchants Bank as an example. Generally, the credit amount of the credit card is 5% of the credit limit (the cash amount of the pre-loan of the youth card is 1% of the credit limit).

(1) The daily cumulative withdrawal amount of China UnionPay ATMs is RMB 1,, and the cumulative withdrawal amount of each overseas household does not exceed the equivalent of USD 1,/day, and the cumulative monthly withdrawal amount does not exceed the equivalent of USD 5, for credit cards, for a total of 6 months. Not more than the equivalent of $1.

(2) The maximum amount of ATM loan is 2, yuan/day (2, yuan per day for Wuhan Financial Business Card and Financial Business Card).

(3) The daily limit of overdraft for a single card, including mobile banking and customer service telephone voice system, shall not exceed 5, yuan per card per day. Online banking (popular version, professional version) does not exceed 2 yuan per card per day.

In short, it is super convenient to withdraw cash by credit card. You can call the hotline for specific inquiry if necessary.

can Changsha bank credit card be used in different places? Is there a handling fee?

yes, there is no handling fee for credit card consumers.

According to Article 13 of the Articles of Association of Furong Credit Card of Changsha Bank (Version 2., 218),

Credit card holders can use it at the acceptance points of card issuers and/or international credit card organizations such as China UnionPay or VISA according to the types of cards they hold. Credit card is a bank card with all or part of the functions of credit consumption, cash withdrawal, transfer settlement and so on.

Cardholders should take good care of their credit cards and passwords, and all transactions conducted with passwords are regarded as the cardholder's own actions. Electronic information records generated by credit consumption, deposit and withdrawal, repayment, transfer settlement, online payment, mobile phone payment, telephone payment and other transactions handled by card issuers on the basis of passwords and other electronic information are valid credentials for this transaction.

Extended information:

Relevant provisions of the Articles of Association of Furong Credit Card of Changsha Bank (Version 2., 218)

If the cardholder repays all the payable amount before the due repayment date (inclusive), the consumer transactions incurred in the current period on the current bill will enjoy interest-free treatment from the bank bookkeeping date to the due repayment date. The longest interest-free repayment period is 56 days, unless otherwise agreed between the card issuer and the applicant. However, the longest interest-free repayment period shall not exceed the longest interest-free repayment period required by relevant laws and regulations.

the cardholder can repay according to the minimum repayment amount stipulated by the card issuer. When the cardholder chooses the minimum repayment amount, he/she will no longer enjoy the interest-free repayment period. The card issuer will calculate the interest on the transaction funds that the cardholder does not meet the interest-free conditions from the bank bookkeeping date until all debts are paid off, and compound interest on a monthly basis. The specific interest rate will be implemented according to the credit card collection contract signed between the card issuer and the cardholder.

Articles of Association of Changsha Bank-Changsha Bank Furong Credit Card (Version 2., 218)

How to withdraw cash from Hunan Rural Credit Card

You can withdraw cash at the atm of Rural Credit Card or at the counter of rural credit outlets.

customers can withdraw RMB cash by password at ATMs with UnionPay acceptance mark in China or outlets of rural cooperative financial institutions in Zhejiang Province, and withdraw local currency cash by password at ATMs with UnionPay acceptance mark abroad.

a credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to a consumer with qualified credit. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

where can I borrow cash in advance from+++

ATM or bank counter in Changsha?

Credit card users can directly insert their credit cards into the bank's ATM and then withdraw cash. The withdrawal operation is the same as the bank card withdrawal operation. When the withdrawal is successful, users only need to pay off the arrears before the final repayment date stipulated by the bank.

can I withdraw cash from my credit card?

cash can be withdrawn by credit card.

cash withdrawal methods of credit cards include counter cash withdrawal, ATM self-service machine, mobile phone cash withdrawal and personal online banking cash withdrawal.

1. To withdraw cash at the counter is to bring your ID card and credit card to the business outlets of the bank you belong to and ask the counter staff to handle the cash withdrawal business.

2. Take a credit card to any ATM at the bank branch, insert the card and enter the password, then select the withdrawal business, enter the withdrawal amount, and click OK.

3. The cardholder can withdraw cash directly or transfer the money to a debit card. The withdrawal amount of a credit card is usually half of the credit line, and the withdrawal fee and interest need to be paid.

4. if you withdraw cash from online banking, you only need to log in to your credit card APP, find the corresponding withdrawal page, and enter information such as the withdrawal amount as required, and then you can apply for withdrawal. after the withdrawal is successful, the amount will be directly transferred to the bank card bound by the cardholder, and you can use it after waiting for the withdrawal amount to arrive. Of course, online cash withdrawal also needs to pay a certain++++handling fee.

Extended information

Credit cards, also known as debit cards, are issued by commercial banks. Consumers with credit cards can go to special commercial service departments for shopping or spending, and they can also make a certain amount of overdraft.

Advantages

Compared with ordinary bank savings cards, the most convenient way to use a credit card is to make ordinary consumption without cash in the card. In many cases, it is only necessary to return the amount of consumption on time.

you can overdraw your consumption without deposit, and you can enjoy an interest-free period of 2-56 days. You can repay the money on time without any interest (most banks will charge .5% interest on the day of cash withdrawal, and there is a 2% handling fee, while ICBC will charge no handling fee and only interest).

it is barrier-free to pass through the whole country, and you can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo; (Remarks: Credit cards are only suitable for spending credit cards, and it is best not to withdraw cash, which is very expensive and uneconomical)

Credit card spending, some credit cards taking existing points, and various discounts and lottery activities throughout the year will make you feel pleasantly surprised at all times as long as you use the card; (Most credit cards have no points for online payment, but online shopping payment is very convenient and fast)

Mail the statement free of charge every month, so that you can grasp every consumption expenditure transparently; (environmental protection is advocated now, and the paper statement can be changed into an electronic statement.)

The unique supplementary card function is suitable for the husband and wife to manage their finances together or to master their children's financial expenses.

The freely chosen form of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.

Disadvantages

The invention of credit card is like a double-edged sword, which can solve the temporary economic crisis. However, the purpose of issuing credit cards is to make money. Once the interest-free repayment time is exceeded, it will charge high interest, usually five ten thousandths of the daily interest.

Blindly spending money by swiping a card is not like spending money one by one like paying cash. When you swipe it, you feel nothing. A few figures lead to blind spending and spending money like water.

Over-consumption of notebooks, digital cameras and smart phones should be phased in. While enjoying your favorite items in advance, you should also consider whether you can repay them.

high interest. if you can't handle your credit card, and you can't repay it as scheduled when the final repayment date comes, the bank will charge you high interest. (The minimum repayment of a credit card in the first month shall not be less than 1% of its overdraft amount in the current month) [8]

Credit cards that need to pay an annual fee basically have an annual fee, but basically there is a policy of exempting the annual fee. For example, CCB can waive it as long as it swipes it three times a year; But if you don't swipe your card the number of times specified by the bank in a year, you need to charge an annual fee.

Stealing a credit card is basically a password-free credit card consumption by default, which makes it easy to be stolen by others when it is lost or stolen, causing unnecessary trouble or loss; But in fact, credit cards can also be used to charge by password-it depends on how you manage your credit card. Of course, many people, because of their lack of experience in this field, have not cancelled their credit cards and have been re-applied for credit card overdraft by some lawless elements, which is not worth it.

This is the end of the introduction of Changsha credit card withdrawal and the amount of Changsha credit card withdrawal. Did you find the information you need?