The credit card overdraft withdrawal limit is 3% or 5% of the credit limit, and the daily withdrawal amount is 1, yuan. If the cardholder's credit limit is 5, yuan, the overdraft withdrawal limit is 2,5 yuan, and 25, yuan can be withdrawn within three days. However, the daily available cash amount of major banks is different, such as Bank of Communications and Industrial and Commercial Bank of China, and the daily overdraft amount of cardholders shall not exceed 2, yuan. If the cardholder's overpayment is not less than 3, yuan, the daily cash withdrawal amount will be increased to 5, yuan. The daily withdrawal amount of CCB is 5, yuan.

Credit card withdrawals require fees and interest, which are different from bank to bank. For example, ICBC charges 1% of the withdrawal amount, Bank of Communications charges .5% of the withdrawal amount when the withdrawal amount is less than 5,5 yuan, and the handling fee of 5,5-7,5 yuan is 5,5× .5%+the remaining transaction amount× 1%.

what are the latest channels for cash withdrawal by credit card?

1. Cash advance by ATM: In China, users can use the transaction password to withdraw RMB cash from ATMs of China Merchants Bank or other banks related to the UnionPay logo; In foreign countries, you can withdraw local currency from ATMs with VISA, MasterCard or JCB logo by transaction password.

2. Cash advance at bank counters: In China, users can withdraw RMB cash at the counters of China Merchants Bank outlets with their credit cards and transaction passwords; In foreign countries, you can withdraw local currency at the bank counter with MasterCard, VISA or JCB logo, and hold valid identity documents and credit cards.

3. Cash advance by phone: As long as the user holds both China Merchants Bank credit card and one-card card, he can call the 24-hour customer service hotline of the credit card and follow the voice prompts, and the money needed by the user will be immediately transferred from the user's credit card account to the one-card account in the user's name.

4. Cash advance by online banking: As long as the user has both China Merchants Bank credit card and electronic card, he can log in to the online credit card bank, select "Account Management → Cash Advance" and immediately transfer money from the credit card account to the electronic card account under the user name according to the system prompt.