1. No, you can also withdraw money at ATMs and counters, but POS machines are more convenient, and ATM withdrawals require handling fees and interest. POS terminals do not charge cardholders fees.

2. That is, wherever there is a POS machine, you can swipe your credit card for consumption. In these places, you can also use Alipay or WeChat wallet for consumption. Generally, all merchants marked with "UnionPay", "VISA" and other logos support credit card purchases.

3. No, it can be used without POS. When paying without card, you don't necessarily need to use a POS machine.

4. Unable to withdraw cash with credit card ≠ unable to spend. After all, the cash withdrawal limit is gone. The consumption limit has not been reduced to 0 by the bank. It is possible that you can still spend money. If you are not sure, you can try using a credit card for online shopping. Payment, if the transaction is successful, there will be no problem.

5. You can transfer funds and withdraw small amounts of cash. In the latest credit card policy, credit cards can be transferred to bank cards in two forms: bank credit card transfer, which can transfer credit card funds to the bank's savings card. The handling fee is approximately 1. Interest is calculated on the day of transfer, with a daily interest rate of 0.05 and an annualized interest rate of approximately 18.