Cash withdrawal is divided into credit card limit and overpayment by yourself. Please consult the issuing bank about whether to charge and the charging standard.
If the overdraft is 500, it means withdrawing 500 or spending 500 by credit card. Credit cards have an interest-free period, during which no interest is charged. If there is no interest-free period for cash withdrawal, interest will start to accrue immediately after cash withdrawal, and the daily interest rate is five ten thousandths. Brush 500, deposit 600, and the extra 100 is overpaid. Whether to charge depends on the specific regulations of the bank. It used to be a collection, but now it's different.
A savings card contains your own money. You can swipe the money you have deposited in the bank as you like, take it as you like, and forget it when you use it.
Credit card, which contains the bank's money and the amount given by the bank, you can use it first and then return it to the bank according to the regulations. Expenses, etc. Depends on bank regulations.
Credit cards have two major uses: credit card consumption and cash withdrawal. The daily interest rate of credit card consumption is 0.05%, with the shortest interest-free period of 20 days and the longest interest-free period of 50 days (CCB, BOC, Minsheng, Guangfa, CITIC, etc.). ), or the minimum interest-free period is 25 days, and the maximum interest-free period is 56 days (ICBC, ABC, Bank of Communications, Huaxia, etc. ); The daily interest rate of cash withdrawal is 0.05%, and there is no interest-free period. Interest is calculated from the date of cash withdrawal, and there is also a handling fee.