1. Cash withdrawal by credit card:

1. Cash withdrawal by credit card overdraft:

A Handling fee: depending on the regulations of banks, for example, the handling fee for cash withdrawal by Ping An credit card is 2.5%, with a minimum 25 yuan per transaction; The credit card of CCB is charged at .5% of the cash withdrawal amount within China, with a minimum of RMB 2 yuan and a maximum of 1 yuan. The credit card of China Merchants Bank is charged at 1% of the cash withdrawal amount, with a minimum of RMB 1 yuan per transaction;

B interest: calculated at five ten thousandths of the daily interest.

2. Cash withdrawal of credit card overpayment: Some banks need to charge a handling fee, while others don't. For example, the handling fee of China Merchants Bank is .5% of the withdrawal amount, and the minimum charge is ￥5 yuan or $1.

2. Credit card spending at POS machine:

1. Repay in full on time, free of interest;

2. Pay the minimum repayment on time, and charge it at the rate of five ten thousandths of the daily interest;

3. overdue repayment, in addition to the above interest, there are also late fees.