Generally speaking, if you go to a special cash-out place to swipe your card, you will be given as much cash as you spend, but you have to pay him a certain handling fee, which is what you said, such as two points, 2%, 1000 yuan is 200 yuan. So now you have 9800 yuan at your disposal. Wait until the next repayment date, you can go to him, he will pay you back, and then you pay him a handling fee. This is the so-called card raising. If you are satisfied with my answer, give me extra points. If you need a card or have anything you don't understand, you can also ask me.