Taking Guangfa Credit Card as an example, you can withdraw cash at ATMs with UnionPay logo in China and ATMs with UnionPay /VISA/Master logo abroad, and overdraft withdrawal will charge fees and interest, and the amount and times of withdrawal are limited every day.

CGB Credit Card Withdrawal Fee:

1. handling fee: domestic overdraft cash withdrawal is charged at 1%-2.5% of the principal, with a minimum charge of 10 yuan per transaction according to the customer's credit standing. Self-owned deposits/platinum cards are exempt from this fee (except basic platinum cards such as Diamond Card (Elite)/Butyl Card, Shang Zhen/Xiangzhen/Zunyue Platinum Card). Overseas (including Hong Kong, Macao and Taiwan) is charged at 3% of the principal, with a minimum charge of 15 yuan/USD 3. There is no extra charge for cross-bank cash withdrawal;

2. Withdrawal of interest: from the date of withdrawal of cash, interest shall be accrued daily according to the overdraft principal, with a daily interest rate of 0.5 ‰ and an annualized interest rate of 18.25%. The minimum charge is 1 yuan/1 USD until the principal and handling fee are paid off.

(Response time: March 2020 13. Please refer to the latest business changes announced by Guangfa official website. )