Credit cards can be swiped as long as they do not exceed the credit limit. You can withdraw cash by credit card, but the withdrawal amount is half of the credit limit, and the credit card takes the existing daily limit, up to 2000 yuan/day. If you withdraw cash from an ATM, you can only get 2,000 yuan a day. Credit card advance cash does not enjoy interest-free repayment, with interest of five ten thousandths per day and compound interest on a monthly basis. It starts the day after you withdraw cash. For example, if you take 15000 yuan, the monthly interest is15000 * 5/10000 * 30 = 2250 yuan.

In addition, there is still a handling fee, and the handling fee standard is as follows: (no inter-bank handling fee is charged).

1. The handling fee for RMB cash advance in China is 1% of each cash withdrawal amount, and the minimum charge is 10 RMB;

2. The handling fee for overseas cash advance is 3% of each withdrawal amount, with a minimum charge of USD 3 or 30 yuan RMB (American Express Card-Centurion Black Gold Card and American Express Card-Centurion Platinum Card, with a minimum charge of USD 5 or 30 yuan RMB).

After cash withdrawal, before the repayment date due in the second month, you must pay at least the minimum repayment amount, and the interest must be paid in full, otherwise your credit will be affected. Therefore, it is not recommended that you withdraw cash by credit card.

Supplementary note: the credit limit of a credit card is the actual amount that can be overdrawn after your credit card has been approved by the bank.

The withdrawal amount of a credit card should be the withdrawal amount, which is generally half of your credit limit.

The available credit limit of a credit card is the credit limit of the credit card MINUS the actual limit you have used, that is, the amount you can overdraw.