Hello, if you are applying for a credit card from our bank, you need to set a transaction password and keep the cash advance function enabled before you can withdraw cash.

Cash advance loans have handling fees and interest:

Handling fees: Domestic RMB cash advance handling fees are 1% of the amount of each cash withdrawal, with a minimum charge of RMB 10 per transaction; The overseas cash advance fee is 3% of the amount of each cash withdrawal, with a minimum charge of USD 3 or RMB 30 per transaction (American Express-Centurion Black Gold Card, American Express-Centurion Platinum Card has a minimum charge of each transaction 5 USD or 30 RMB). There is no inter-bank handling fee for cash advance.

Interest: Cash advance does not enjoy interest-free repayment. From the day of cash withdrawal to the date of settlement, interest will be charged based on the daily interest rate of 5/10,000, and compound interest will be charged on a monthly basis.

Limit limit: The cash advance limit is generally 50% of the credit limit (except for cards with special regulations). At the same time, the daily cumulative cash advance amount of each domestic card is capped at RMB 2,000; the daily cumulative cash advance amount of each household for overseas non-UnionPay lines does not exceed the equivalent of US$1,000, and the cumulative amount within one month does not exceed the equivalent of US$5,000. , the cumulative amount within 6 months does not exceed the equivalent of US$10,000.

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