Bank of Communications credit card withdrawal method and limit

Although the credit card is used for credit card consumption, it is sometimes necessary to withdraw cash. Bank of Communications credit card provides cash withdrawal, cash advance and other functions, but it charges a certain fee and interest, so how can Bank of Communications withdraw cash? What's the limit?

1. Cash withdrawal method of Bank of Communications credit card

1. Cash advance at bank counter

In China, you can withdraw RMB cash at the counters of Bank of Communications outlets with your credit card and transaction password;

overseas, you can withdraw local currency or its equivalent at the bank counter marked with VISA or MasterCard with valid identity documents and credit cards.

2. ATM machine advances cash

You can withdraw local currency with the transaction password from ATMs with UnionPay logo or VISA/Plus or MasterCard/Cirrus logo displayed on your credit card at home or abroad.

2. Cash withdrawal limit of Bank of Communications credit card

1. The advance cash limit is set according to your card usage, which is included in the credit limit of the credit card, generally 5% of your credit limit. Please call the 24-hour customer service hotline of Bank of Communications Credit Card Center for the specific limit. Cash withdrawal at the counter can take up to "2" RMB for all overpayments. You can't use the credit line to withdraw US dollars in China.

2. domestic cash withdrawal limit: each card shall not exceed RMB 2, per day or its equivalent. The maximum amount of cash withdrawn from the ATM every day for each card is no more than RMB 5, (there is enough overflow, and at least the repayment is more than RMB 3,);

if you have enough excess deposits, you can withdraw cash by credit card at home and abroad: your RMB account can be withdrawn at domestic automatic teller machines (ATMs), and the daily accumulated amount of each card should not exceed 2, RMB; At present, the accumulated daily amount of each card shall not exceed RMB 1, or its equivalent when it is withdrawn from the overseas China UnionPay networked ATM; At the same time, at home and abroad, the daily total accumulated amount of each card shall not exceed RMB 2, or its equivalent;

3. Limit of overseas cash withdrawal amount: when your account withdraws cash in local currency overseas, the cumulative withdrawal amount shall not exceed the equivalent of USD 1, per day, USD 5, per month and USD 1, per half year (if USD has enough repayment); If you use the credit line to withdraw cash, each card shall not exceed RMB 2, per day or its equivalent.

4. Because consumption and cash withdrawal enjoy your credit limit, in addition to the above limit, the actual available cash withdrawal limit of your credit card is also affected by the available credit limit of your credit card. Please know your financial situation in time so as not to affect your normal card use due to insufficient available credit limit and available cash withdrawal limit.

can I withdraw cash from the bank of communications credit card?

Bank of Communications credit card can withdraw cash, and the withdrawal methods are as follows: 1. Cash withdrawal with a card: the cardholder can withdraw money with the transaction password after inserting the card at an ATM with the UnionPay logo at home or abroad. 2. Cash withdrawal without card: The cardholder can log in to the mobile banking of Bank of Communications, select the ATM cash withdrawal reservation function, enter the information of cash withdrawal reservation, and obtain the reservation number. Then, select the option of "cash withdrawal by mobile banking reservation" on the ATM of Bank of Communications, and enter the mobile phone number, transaction password and reservation number to realize the function of cash withdrawal without card.

1. Bank of Communications can withdraw cash by credit card. Cardholders can take their credit cards and ID cards to the counter of the Bank of Communications, stating that they want to withdraw cash, and then they can withdraw cash after approval.

2. which credit card is better, Bank of Communications or China Construction Bank?

For users who just want to apply for a credit card, it is often unclear which bank's credit card is better, Bank of Communications or China Construction Bank's credit card is better. Compared with the credit card of China Construction Bank, the credit card of Bank of Communications is better, and the benefits of Bank of Communications credit card are mainly as follows: the overdraft limit of Bank of Communications credit card is higher than that of China Construction Bank. Bank of Communications credit card processing procedures are simple, and the card processing speed is relatively fast, generally it can be obtained in 2 weeks. Bank of Communications often offers preferential activities to cardholders, and there are more discount shops, which can save money. The points donated by Bank of Communications' credit card consumption can be cashed in, that is to say, the points are directly used to deduct the amount that has been consumed and has not yet been billed. This is not available in other bank credit cards.

3. Advantages of Bank of Communications: the threshold is very low; The initial quota is very high; There are many discounts; Convenient repayment.

Disadvantages: only the system can actively raise the amount, and it is not allowed to apply for the amount increase, and manual intervention is not allowed; SMS reminder fee; The cash withdrawal fee is very high; Full penalty interest; The risk control is strict. Suitable for the crowd: suitable for wool parties. Preparation materials: ID card is enough.

4. Advantages of state-owned banks:

"Big banks" are owned by the state, and their development is supported by the state, and they are "rooted and flourishing", and they are among the top 5 banks in the world. Therefore, the internal environment and the development of the bank are relatively mature, and the system is also perfect, so the learning resources and working resources are very rich. If you want to take root in the banking industry, you will have more exercise opportunities here, a large platform, a good background and a large platform; High status and wide knowledge; Stable work and low pressure.

how to withdraw electronic cash from Bank of Communications credit card

The methods for withdrawing cash from Bank of Communications credit card are as follows:

1. Cash withdrawal with card:

Cardholders can withdraw money with the transaction password after inserting the card at an ATM with UnionPay logo at home or abroad.

2. Cash withdrawal without card:

Cardholders can log in to the mobile banking of Bank of Communications, select the ATM cash withdrawal reservation function, input the information of cash withdrawal reservation to obtain the reservation number, and then select the mobile banking cash withdrawal reservation option on the ATM of Bank of Communications. By inputting the mobile phone number, transaction password and reservation number, the function of cash withdrawal without card can be realized.

Extended information:

Daily cash withdrawal limit of Bank of Communications' credit card:

The accumulated cash advance amount of each card per day using the credit line shall not exceed RMB 2,; The maximum amount of cash withdrawn from the ATM every day for each card is no more than RMB 5, (there is enough overflow, and at least the repayment is more than RMB 3,); Cash withdrawal at the counter can take up to 2 RMB for all overpayments. You can't use the credit line to withdraw US dollars in China.

1. Cash advance by ATM: You can withdraw RMB cash at the ATM of Bank of Communications or the ATM of other banks with UnionPay logo.

2. Cash advance at the bank counter: You can withdraw RMB cash at the counters of Bank of Communications outlets with your credit card and transaction password.