The cash withdrawal of China Merchants Bank is mainly used for ATM cash withdrawal and bank counter cash withdrawal, and password verification is required for cash withdrawal. The specific steps are as follows:
1, ATM withdrawal
In China, you can withdraw RMB cash from the ATM of China Merchants Bank or other ATMs of banks with UnionPay logo. Overseas, local currency can be withdrawn from ATM with VISA, MasterCard or JCB logo by transaction password.
2. Cash in advance at the bank counter
In China, you can use your credit card and transaction password to withdraw RMB cash at the counter of China Merchants Bank. Outside the country, you can withdraw local currency at the bank counter marked VISA, MasterCard or JCB with valid ID and credit card.
Step 3 pay cash in advance by phone
As long as you have both a CMB credit card and a smart card, you can call the 24-hour customer service hotline of the credit card: 400-820-5555. According to the voice prompt, the money you need will be transferred from your credit card account to your smart card account immediately.
4. Online banking advances cash
As long as you have both China Merchants Bank credit card and one-card card, you can log in to our credit card online banking, select account management → advance cash, and immediately transfer the money you need from your credit card account to your one-card account according to the system prompt.
Matters needing attention
China Merchants Bank credit card can withdraw cash, because withdrawing cash is one of the inherent functions of credit cards. Cardholders can bring their credit cards and ID cards to the business outlets of China Merchants Bank and withdraw cash at the counter with the transaction password.
You can also insert the credit card into the ATM of China Merchants Bank or other banks with the UnionPay logo and withdraw cash with the transaction password.
China Merchants Bank Credit Card official website-How to withdraw cash from credit cards?
[img] Can I withdraw cash from my credit card?
Credit cards can be cashed out.
In addition to overdraft consumption, credit cards usually have a cash withdrawal function. There are three main ways to withdraw cash by credit card:
1, Overpayment Withdrawal: Overpayment of a credit card refers to the part repaid by the cardholder at the time of credit card repayment, or the money deposited in the credit card account, which belongs to the cardholder himself. In addition to spending by credit card, cardholders can also withdraw the excess payment of credit card through the ATM or counter of the bank. However, although the overpayment is the cardholder's own money, it usually requires a handling fee, and the handling fee rates of different banks are different.
2. Cash withdrawal by cash advance: The credit card itself usually has the function of cash withdrawal, and the cardholder may consider using the credit card to withdraw cash in case of financial difficulties.
The maximum withdrawal amount of general credit cards is 50% of the credit limit of credit cards, and only a few credit cards have a withdrawal amount of 100%.
3. Cash withdrawal by installment: Eligible credit card holders can apply to the bank for credit card cash installment through online banking and mobile banking of the issuing bank. After receiving the cardholder's application for cash installment, the bank will review and transfer the money to the bank's savings card in the name of the cardholder.
There will be a handling fee for cash installment. Please consult the issuing bank for details.
To sum up, credit cards can be withdrawn, depending on your actual situation.
How to withdraw cash from ICBC credit card?
Credit card domestic withdrawal method
You can withdraw RMB with your credit card at any branch of China Industrial and Commercial Bank or on the self-service equipment with the "UnionPay" logo. For large-sum withdrawals (50,000 yuan and above) at the counter, you must provide your valid identity certificate; If there is a++deposit in the credit card, you need to hold the card and valid identity documents to go to the outlets that provide++services.
Tips: I must handle it myself, but I can't do it for you; The emergency replacement card of dual-currency credit card cannot be returned in China; Credit card overdraft withdrawal does not enjoy interest-free repayment period, and overdraft interest is charged.
Credit card overseas withdrawal method
I hold a credit card with the logo of "VISA", "MasterCard", "AmericanExpress" or "UnionPay" to withdraw local currency from overseas ATMs with the corresponding logo. If you withdraw cash by overdraft, you need to charge overdraft interest.
Tips: It is suggested to spend by credit card, save cash withdrawal fee, reduce exchange loss and enjoy the preferential exchange rate provided by international credit card organizations.
Extended data:
1, credit card withdrawal fee
Rmb is charged at 1% of the amount, with the lowest 2 yuan and the highest 100 yuan; ++Each transaction is charged at 2.9% of the amount (including domestic and overseas), with a minimum of HK$ 3/MOP/USD/Euro, and other transactions are converted into USD at a minimum of RMB 3++. Domestic transactions of military official cards, platinum cards and above are free.
Tips: Before June 30, 20 19, the handling fee will be temporarily waived for local withdrawal or transfer of self-owned deposits and local overdraft withdrawal transactions with quasi-credit cards.
2. Credit card transfer fee
It is free to transfer local credit cards to local credit cards before June 30th, 2065438+09.
Credit card transfer in different places (refers to that one of the transferor and the transferee is a credit card in different places, or both of them are credit cards in different places) is charged at 65,438 yuan +0% of the amount, with the lowest 2 yuan and the highest 100 yuan.
++Each transaction is charged at 2.9% of the amount (including domestic and overseas), with a minimum of HK$ 3/MOP/USD/Euro, and other transactions are equivalent to a minimum of US$ 3++. Domestic transactions of military official cards, platinum cards and above are free.
3. Cash withdrawal from self-service equipment of inter-bank/cross-border UnionPay network
Domestic cross-bank cash withdrawal, each charge according to 4 yuan, plus the handling fee for cash withdrawal or transfer in different places; Overseas cash withdrawals (including Hong Kong, Macao and Taiwan) each cash withdrawal amount is 1%+ 12 yuan, with the lowest 14 yuan and the highest 1 12 yuan.
Industrial and Commercial Bank of China-Credit Card Domestic Withdrawal Method
China Industrial and Commercial Bank-Credit Card Overseas Withdrawal Method
Industrial and Commercial Bank of China-Credit Card Cash Withdrawal and Transfer Charge
How to withdraw cash from credit card
Question1:+++What's wrong? If the credit card has a limit of 3,000 yuan, it means that there is 3,000 yuan in the card, which is used by the bank for you. You have to return it after use.
Cash withdrawal is to take cash out of the ATM and use it, which is ok. The withdrawal amount is 50%, and the limit of 3,000 can be used through withdrawal 1500.
Credit card is not empty. There is money in it, as much as there is, which is put in by the bank for your use. The money belongs to the bank!
Don't deposit money in a credit card, or you will have to charge a handling fee and interest if you want to take it out after you deposit it. It's a bank policy.
What do you mean by the first floor? People can withdraw cash from credit cards normally, which is normal consumption. Why is it so serious? It seems that credit cards can't be withdrawn! Let's find out!
Question 2: Credit cards cannot be withdrawn. Hehe, let me explain it to you.
Generally speaking, the account balance is the money you can spend with your credit card. Your credit limit-account balance = the change you owe to the bank. Of course, if I am negative, that is, the account balance is greater than your credit limit, that is to say, there is still money in it, you can withdraw it without interest, but it is generally 1%.
The available balance is the amount you can withdraw, so you can withdraw, but it's better not to, because it's terrible to charge you 0.5% interest every day and compound interest every month.
Question 3: What happens when credit cards are frequently withdrawn? If the credit card has an upper limit, you can take it at will, and there is a handling fee for taking it once, which will generate withdrawal interest.
Question 4: What will happen to cash withdrawal by credit card? It's okay. I am in the bank collection team, and there are many customers like you every day, and people who borrow money to buy a car or a house can't afford it. It's impossible for everyone to be so serious. Because customers like you are welcomed by banks (charge interest), if you do more, you will only suffer. Now the bill call you receive is just a routine procedure. But remember to let the bank know that you are sincere.
And you'd better have more than two credit cards to complement each other. Find a friend who is a cashier to bring you cash every day and earn points. I can still turn back.
Question 5: How to calculate the domestic credit card withdrawal fee: 65,438+0% of the cash advance transaction amount, with a minimum charge of RMB 10 yuan per transaction.
Overseas (including Hong Kong, Macao and Taiwan): 3% of the cash advance transaction amount, and the minimum charge is 3 yuan USD/transaction or 30 yuan RMB/transaction (subject to the current demand, regardless of the same city or different places).
The daily accumulated cash advance of each card in China shall not exceed RMB 2,000.
The interest on cash withdrawal shall be five ten thousandths of the daily interest from the date of cash withdrawal until the money is paid off, with compound interest on a monthly basis.
For example, the billing date on the 5 th and the repayment date due on the 23 rd.
On May 10, RMB 3,000 was withdrawn (it should be two cards), and the handling fee was 30 yuan. Then, from May 10, calculate the daily interest of five ten thousandths.
If you repay the loan on June 6th, 5438+0 (before the ticket is issued on June 5th), the total debt of the withdrawal part is 3000 (principal) +30 (handling fee)+30000.0005 (5/10-5/31) (withdrawal interest) = 3060.
If the payment is made on June 20 (after the bill is issued on June 5), even if you pay in full the amount owed on your June 5 bill before June 23, you will still withdraw the corresponding interest from your next bill. Because the interest on June 5 is only calculated from May 10 on the day you withdraw the cash, until the billing date of June 5. After June 5, interest will still be calculated from the date of withdrawal to the date of repayment, and compound interest will be calculated from the date of bookkeeping to the date of repayment, that is, interest will still be calculated.
General credit card consumption can still enjoy the interest-free period as long as it is repaid in full according to the bill amount before the due repayment date.
If the arrears of the current bill are not fully paid off before the due repayment date, the interest on each credit card consumption on the bill will be charged from the billing date, generally the day after consumption.
Question 6: How to calculate the cash withdrawal by credit card? It is correct to take 50% as the first plan. For a 5000 credit card, the withdrawal amount is 50%, which is 2500 yuan. The general withdrawal fee is 65438+ 0% of the withdrawal amount. In addition, the cash withdrawal amount+cash withdrawal handling fee is charged at five ten thousandths of the daily interest. Withdraw 2500 yuan, handling fee =2500 1%=25 yuan, daily interest =(2500+25)0.05%= 1.2625 yuan. It is recommended not to withdraw cash in general.
Question 7: Can I withdraw money directly by credit card? You can withdraw money directly with a 50-cent credit card or at the bank's ATM. As long as there is enough withdrawal amount, you can only withdraw 2000 yuan a day at most, and there are handling fees and interest for withdrawal.
You can't repay the money in installments, but you can repay the minimum amount. I hope I can help you. You can ask questions if you don't understand. If you have solved the problem, please click the answer below as a satisfactory answer. Thank you.
Question 8: How to withdraw 1 and++from CCB credit card online requires interest, and the interest is calculated at five ten thousandths per day. Repayment can be transferred to the counter or online banking (no inter-bank transfer, slow,) and directly deposited into the credit card, and the bank will deduct the money on the day of deposit. Remember to deposit interest together.
2. Credit card lines are all revolving lines, that is, they can only be recovered by repayment lines. That is, how much is recovered. Deposits on the same day will generally be restored on the same day, and the withdrawal amount will wait until the next day. The credit card withdrawal of CCB can only take 30% of the credit line, and the maximum overdraft withdrawal can not exceed 2000 per day. 5% of the withdrawal amount is charged as the handling fee of the lowest 2 yuan and the highest 50 yuan, and interest is charged at 5% of the daily withdrawal amount for the withdrawal of the use limit, with compound interest on a monthly basis.
Question 9: How to distinguish between cash withdrawal and consumption of CCB credit cards depends on what method you take. If you withdraw money at ATM or bank counter, it is cash withdrawal. If you swipe your card at the POS machine (no cash), it counts as consumption, but the general examination fee and the like are not counted as points.
By the way, whether it's online payment or POS machine, as long as you don't see cash, you can spend it by credit card, and as long as you see cash, you can withdraw it.
This concludes the introduction of how to withdraw cash from credit cards and how to withdraw cash from credit cards of Guangfa Bank. I wonder if you have found the information you need?