1. For inter-bank withdrawals with credit cards, CITIC Bank usually charges a handling fee in addition to the daily interest of 0.5 ‰ from the date of withdrawal. At present, the inter-bank withdrawal fee of CITIC Bank's credit card is 2% of the transaction amount, with the lowest 20 yuan.

2. When a credit card withdraws cash from an ATM or a bank counter, it must pay three percent (3%) of each withdrawal amount.

Calculate the handling fee. The minimum fee is RMB 30 yuan or HK$ 3 yuan 30 yuan, which is charged according to the transaction currency.

3. If the withdrawal transaction does not enjoy the interest-free repayment period of the credit line, interest will be charged at the daily interest rate of 0.5‰ from the bank bookkeeping date to the settlement date.

If you have other specific questions, I suggest you call the customer service staff of the bank, hoping to help you.