Go to ICBC to apply for the Jintong card, because it is a credit card, so you have to wait a month to get it. There is no money in the Jintong card itself. Overdraft actually means that you borrow money from the bank and then return it to the bank before the specified repayment date (25th of each month). The overdraft consumption of the Jintong card is up to 2, yuan. If you directly use the Jintong card to withdraw cash, the withdrawal ratio is 5% of the credit limit, that is, 1 yuan.

in addition, there is no interest-free repayment period for ICBC peony credit card overdraft withdrawal, and there is no handling fee for local overdraft withdrawal. The overdraft interest is calculated at the daily interest rate of .5 ‰ from the second day of overdraft trading day.

therefore, it is not a last resort, and it is not worthwhile to use credit card overdraft to withdraw cash.