these two are not true. Credit card is equivalent to a small loan provided by a bank to individuals according to their credit. Generally, the credit limit of a card is based on an individual's credit history, assets and repayment ability, which generally ranges from 1, to 1,.

the money in the card has two parts, one is the credit limit, and the other is the cash withdrawal limit. The credit limit is your total amount, and cash withdrawal is only part of it.

If you spend money by credit card, there is no handling fee, and there is an interest-free period of 5-56 days. If you withdraw cash, you will be charged interest and handling fee of five ten thousandths per day.