It is not easy to increase the limit of a credit card. It is very simple to lower the limit. You can apply by phone or do it yourself through online banking;

1. Cash withdrawal by credit card:

1. Credit card overdraft cash withdrawal:

A handling fee: It depends on the regulations of each bank. For example, for China Construction Bank credit card, it is charged 0.5% of the cash withdrawal amount, with a minimum of RMB 2 per transaction and a maximum of RMB 100 per transaction; CMB credit card Domestic cash withdrawals are charged at a rate of 1% of the amount, with a minimum of RMB 10 per transaction;

B Interest: Calculated at 0.5% of the daily interest rate.

2. Cash withdrawal for credit card overpayment: Some banks need to charge a handling fee, and some do not. For example, the handling fee of China Merchants Bank is 0.5% of the amount withdrawn, and the minimum charge is RMB 5 yuan or US$1.

2. Use your credit card to make purchases at the POS machine:

1. Pay the full amount on time, interest-free;

2. Pay the minimum payment on time, according to A daily interest of 0.05% will be charged;

3. For overdue repayment, in addition to the above-mentioned interest, there will also be late fees.