Credit card withdrawal can be divided into overdraft withdrawal and overpayment withdrawal. Take the existing differences at home. China Guangfa Bank does not charge any handling fee for domestic overpayment, but the charging standard is the same overseas.
Handling fee for overseas cash withdrawal of Guangfa Credit Card (including Hong Kong, Macao and Taiwan)
1) overseas (RMB card): 3% of the cash withdrawal amount, with a minimum of 15 yuan RMB per transaction;
2) Overseas (USD card): 3% of the cash withdrawal amount, with a minimum of USD 5 per transaction;
3) Overseas (HK$ card): 3% of the withdrawal amount, with a minimum of HK$ 40 each;
4) Overseas (dual-currency card): 3% of the cash withdrawal amount, with a minimum of RMB 15 yuan or USD 3 per transaction.
In addition, there is a certain limit on the overseas withdrawal of Guangfa Credit Card. In general UnionPay channel, the daily cash withdrawal limit is equivalent to RMB 1 000 yuan, and the same account of dual-currency card or multi-currency card cannot exceed the equivalent of USD 1 000 yuan the next day.
After using Guangfa Credit Card to withdraw cash from overseas, in addition to the handling fee, interest will be charged at the rate of five ten thousandths of the daily interest, with compound interest on a monthly basis until repayment.
Overseas cash withdrawal method of Guangfa Credit Card
Guangfa Credit Card can only withdraw money from ATMs with UnionPay logo, and dual-currency cards can also withdraw money from ATMs with Visa, MasterCard and other logos.
Guangfa Credit Card can also withdraw local currency or equivalent foreign currency at the bank counter marked with Visa and MasterCard with valid identity documents and credit cards.