how to withdraw the balance in the credit card?
It can be withdrawn in the following ways:
1. Cash transfer out
Overpayment can be directly transferred to the bank card in my name at the counter or on the specified self-service equipment;
2. Consumption
Overpayment can be directly used for consumption;
3. Cash withdrawal
Most card-issuing banks will handle the overdraft withdrawal of their own deposits by cardholders and charge a certain fee.
Cash withdrawal by credit card is different from cash withdrawal by credit card. Cash withdrawal by credit card is one of the inherent functions of credit card. Cardholders can use credit card to withdraw cash from banks. Cash withdrawal by credit card mainly includes overdraft cash withdrawal and overpayment cash withdrawal.
interest is required for overdraft cash withdrawal, and the interest is calculated from the day you withdraw cash, while interest is not required for overpayment cash withdrawal, only part of the handling fee is required, depending on the regulations of each bank.
If there is a UnionPay logo on the credit card, it means that the card has joined the China UnionPay organization, and the cardholder can withdraw cash at any ATM with the UnionPay logo.
Outside China, except Hong Kong, Macao and Taiwan, there are many countries whose UnionPay system is not popular, so most of them need to take the international card organization channel to withdraw cash overseas. It depends on whether you have an international card. It is easy to distinguish an international card just by looking at whether there are LOGO of credit card organizations such as Visa or Master besides UnionPay.
the limit of overdraft withdrawal is set according to the cardholder's card usage, and the maximum is not more than 5% of the cardholder's credit limit, and the daily limit of ATM withdrawal per card per person is 2. In addition to the withdrawal fee, interest must be paid for domestic and overseas overdraft withdrawals, and some banks can enjoy interest-free treatment.
cash withdrawal of overpayment refers to the withdrawal of funds deposited in the card or overpaid funds during repayment by the cardholder. Overpayment can automatically increase the available amount of the main card, but does not increase the available amount of the auxiliary card. If it is necessary to increase the available amount of supplementary cards, the cardholder should call the bank telephone service hotline to apply.
Credit card cash withdrawal mainly includes two ways: overdraft cash withdrawal and overpayment cash withdrawal. Overdraft cash withdrawal is a small cash loan provided by the bank to help cardholders flexibly allocate funds when they are in urgent need.
cash withdrawal of overpayment refers to the overpayment made by the credit card customer or the funds deposited in the credit card account, and a certain amount of formalities fee is required to take out the overpayment. This sum can increase the available credit limit of the cardholder's credit card, or be directly used for consumer repayment. If there is overpayment in the credit card, the overpayment will be deducted first, and then the credit line will be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft.
is there a balance in a credit card that can be cashed out?
a credit card with a balance can be cashed out. Cardholders can carry their ID cards and credit cards and go to the counter of the issuing bank's business outlets to withdraw cash. You can also carry a credit card and go to a nearby ATM to withdraw the balance. Generally, insert the card into the card slot, enter the withdrawal password according to the prompt of the ATM interface, and then withdraw the balance. The credit card balance is also called overpayment. When the cardholder takes out the overpayment, the bank will charge the handling fee according to it.
how to withdraw the balance in the credit card?
you can withdraw money with a credit card. Credit card cash withdrawal is different from credit card cash withdrawal. Credit card cash withdrawal is one of the inherent functions of credit card itself. Cardholders can use credit cards to withdraw cash from banks. Credit card cash withdrawal mainly includes overdraft cash withdrawal and overpayment cash withdrawal. Overdraft cash withdrawal requires payment of interest, and interest is calculated from the day you withdraw cash, while overpayment cash withdrawal requires no interest, only part of the handling fee, depending on the regulations of banks. First, at home: if there is a UnionPay LOGO on the credit card, it means that the card has joined the China UnionPay organization. Second, overseas: in many countries except Hong Kong, Macao and Taiwan, the UnionPay system is not popular, so most of the overseas cash withdrawals need to go through the international card organization channel. It depends on whether you hold an international card. It is easy to distinguish an international card just by looking at whether there are logos of credit card organizations such as Visa or Master besides UnionPay.
Extended information: The credit card overdraft withdrawal rates of the five major banks are relatively low. Generally, it is charged at .5%-1% of the cash withdrawal amount. China Construction Bank draws money through its own bank or UnionPay network, and charges .5% of the withdrawal amount, ranging from the lowest in 2 yuan to the highest in 5 yuan. ICBC's customer service said that customers do not need to pay handling fees for deposits in the local ICBC withdrawal card of the bank. If ICBC withdraws cash in other places, it needs to charge a handling fee of 1% of the cash withdrawal amount, ranging from 2 yuan to 1 yuan. Inter-bank charge for each 2 yuan or 4 yuan fee. The customer service staff of Agricultural Bank said that credit cards are used for consumption, and it is not recommended to withdraw cash. Generally, a handling fee is charged at 1% of the cash withdrawal principal, with a minimum of 1 yuan for each transaction and a 2 yuan for each transaction across banks. 1% of the transaction amount is charged for cash withdrawal in RMB within the territory of Bank of Communications, with a minimum of RMB 1 yuan per transaction (RMB cash withdrawal in the territory of Y-POWER credit card, RMB 5 yuan per transaction); Bank of China distinguishes between Great Wall series cards and Bank of China series cards. Other joint-stock banks have higher cash withdrawal rates for credit cards than the five major banks. The handling fee for domestic overdraft of China Merchants Bank's credit cards is 1% of each cash withdrawal amount, and the minimum charge is 1 yuan; There is no inter-bank handling fee. Shanghai Pudong Development Bank's cash withdrawal fee is charged at 2% of the cash withdrawal amount, with the lowest 2 yuan. In the Mainland, if you use Guangfa Credit Card to overdraw cash, you will be charged handling fee and interest. The handling fee is charged at 2.5% of the current principal, and the minimum fee is 1 yuan. The cash withdrawal fee of China Everbright Bank is charged at 2.5% of the transaction amount, with a minimum 1 yuan for each transaction. Sogou Encyclopedia-People's Network for Credit Card Cash Withdrawal-Which bank is more cost-effective for credit card cash withdrawal
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Let's stop here for the introduction of how to withdraw the balance in the credit card.