The CCB credit card cash withdrawal fee is calculated as follows:

1. Domestic: 1% of the cash withdrawal amount, minimum RMB 2 per transaction, maximum RMB 100 per transaction;

2. Overseas (UnionPay network): 1% of the cash withdrawal amount + RMB 12, with a minimum of RMB 14 per transaction;

3. Overseas (non-bank network): 3% of the cash withdrawal amount, Minimum USD 3/transaction (European Travel Card: 3 EUR/transaction).

The interest calculation method for credit card cash withdrawals of China Construction Bank:

CCB stipulates that there is no interest-free date for credit card cash withdrawals. The bank will pay interest at a daily interest rate of 0.5% from the date of withdrawal. Cardholders are charged interest, which is compounded monthly. Overdraft interest is calculated by multiplying the daily interest rate by the number of days overdraft. If the repayment is overdue, there will be a late payment fee, and the bank will charge a one-time fee of 5% of the unpaid minimum repayment amount.

Extended information:

What should be paid attention to when withdrawing cash overseas

1. Remind merchants to use the UnionPay channel before swiping the card

Credit cards currently issued in China There are two types: single currency and dual currency. Some dual-currency cards jointly issued by UnionPay, Visa and MasterCard can also be used through the UnionPay channel overseas. Cardholders remember to remind merchants to use the UnionPay channel before swiping the card, which can save money on currency conversion. fee.

2. Check the location of ATMs before going abroad

Many ATMs abroad do not have the UnionPay logo on them. Cardholders can find the ATM location abroad on the UnionPay website before traveling. At the ATM location, go directly to the ATM of the designated bank to withdraw cash.

3. When encountering a four-digit ATM password, enter the first four digits

In China, debit card passwords are generally 6 digits, while in many European countries, ATMs have 4-digit passwords. , cardholders can directly enter the first four digits of the domestic password and withdraw cash directly.

4. The card can be collected within three days after swallowing the card

If the bank card is lost overseas, the cardholder can immediately call the domestic card issuing bank to report the loss, and wait until he returns to the country to get a replacement card. A new card. If the card is swallowed by an ATM, within 3 days from the day after the card is swallowed (extension will be postponed if it is a holiday), go to the branch of the ATM that swallowed the card with your passport and other valid documents to go through the card collection procedures. If the card is not collected as required within 3 days, the card will be destroyed. The cardholder can apply to the card-issuing bank for a replacement card after returning to the country.

5. Cash support services can be used in emergencies

In case of emergencies abroad, cardholders can use overseas emergency cash support services. Cardholders overseas can call the domestic card-issuing bank customer service hotline or UnionPay customer service hotline to apply, and then go to emergency cash support outlets to receive cash. Emergency cash support can be completed as soon as the same day.

Reference: Baidu Encyclopedia - Credit Card Cash Withdrawal