Hello, as long as you withdraw cash, you will incur handling fees, and interest will also be calculated on a daily basis. Currently, all banks charge a daily interest rate of 0.05% for credit card cash withdrawals, and the fees charged by each bank are different. There is no interest-free period for credit card cash withdrawals, and interest will be charged from the date of withdrawal.

If the cardholder only pays the minimum repayment amount on the repayment date, the unpaid portion will still be charged interest at a daily rate of 0.05%; if the cardholder does not even pay the minimum repayment amount, The fees required for credit card cash withdrawals are handling fee + daily interest of 0.5% + 5% late payment fee on the unpaid portion of the minimum repayment amount.

As for the handling fees for cash withdrawals, the charging standards of each bank are different, but most banks only stipulate the minimum amount of handling fees for each cash withdrawal, and the highest bank stipulates the lowest handling fees for each transaction. It’s 30 yuan. China Merchants Bank's domestic RMB cash advance fee is calculated at 1% of the amount of each cash advance, and the minimum fee is RMB 10 per transaction (except for special regulations on handling fees for individual card types)

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