There is no contradiction. The fee for withdrawing cash by bank credit card is divided into two parts. One is the withdrawal fee directly deducted from the card at the ATM, and the other is the interest charged to you before you return the cash. All banks have to charge cash withdrawal interest, which is an important source of income for all credit cards. The only thing that can be maneuvered is whether to charge the first cash withdrawal fee.

In short, there is no handling fee for local withdrawals of credit cards handled by ICBC and Minsheng Bank, but they all have to calculate the daily interest of five ten thousandths. Other banks such as China Merchants Bank charge 1-3% of the withdrawal amount plus withdrawal interest.