Can I withdraw cash with a CCB credit card?

Yes. 50% of the credit limit can be used for cash withdrawal, and the daily cash withdrawal amount does not exceed 2,000 yuan. Overdraft withdrawals are subject to handling fees and interest. The handling fee is 0.5% of the cash withdrawal amount (2-50 yuan). For example, if you withdraw 2,000 cash, the handling fee is 10 yuan, and the interest is 50,000 of the cash withdrawal amount. Compound interest is calculated monthly. Therefore, the daily interest rate is 1 yuan. After cash withdrawal, repayment must be made within 20 days after the bill date at the latest. If there is an overpayment on the card, even if there is excess after paying off the money on the card, you can also withdraw it. There is no handling fee for withdrawal at CCB outlets or self-service equipment in the city where the card is applied for. Overdraft withdrawals across banks or provinces and cities will incur handling fees, and the charging standards are the same as overdraft withdrawals.

How many types of CCB credit cards are there? Can all of them be used to withdraw cash?

All CCB credit cards can be used to withdraw cash.

Longka QQ Music Credit Card

Longka QQ Music Credit Card is a UnionPay-branded chip magnetic stripe composite credit card jointly issued by China Construction Bank and Tencent, mainly targeting QQ Music members and young customers who love music.

2. Dragon Card MUSE Credit Card

It is a credit card that features “8% cash back at overseas big-name merchants and overseas duty-free shops”, and is also equipped with considerate travel protection and life-enhancing benefits. Visa branded single logo credit card. In order to facilitate your use at home and abroad, a global payment platinum card (Visa version) is also issued to you, which can enjoy up to 5 million aviation accident insurance, flight baggage delay insurance and card loss protection.

3. Dragon Card Transformers Themed Credit Card

Dragon Card Transformers Themed Credit Card is a fan credit card launched by China Construction Bank and Hasbro of the United States with the Transformers movie image as the card element. The JCB version is only available overseas.

4. Ningju Yingcai Long Card IC Credit Card

It is jointly issued by China Construction Bank Nanjing Branch and Nanjing Talent Service Center. It is aimed at Nanjing’s innovative city construction and Ningju that meet the conditions for issuance of CCB Long Card credit card. It is a co-branded credit card issued by the planned introduction and service talents. The card contains special preferential rights for this type of customer group. It also has the financial function of CCB Long Card IC credit card and enjoys related preferential activities. It is a multi-functional credit card.

5. LINEFRIENDS Fan Credit Card

This is the first platinum fan credit card launched by China Construction Bank for young, fun-loving LINEFRIENDS fan customers. The product adopts a minimalist card design such as cute pet images, candy colors and ++ rear, and is equipped with all-round life services such as travel, shopping, and entertainment based on the card needs of young customers. LINEFRIENDS Credit Card Pure Love Edition is the first product in the LINEFRIENDS collection series.

China Construction Bank-LINEFRIENDS Fan Credit Card

China Construction Bank-Ningju Yingcai Dragon Card IC Credit Card

China Construction Bank-Transformers Theme Credit Card

China Construction Bank-MUSE Gilded Edition Card Set

China Construction Bank-Dragon QQ Music Credit Card

China Construction Bank-Credit Card Terms

Accidentally I transferred the money to a CCB credit card, how can I withdraw it?

You can take it out, and you can withdraw cash at the counters of CCB branches, ATMs or ATMs of other banks.

Construction Bank credit card cash withdrawal limits and restrictions:

1. Construction Bank credit card cash withdrawal restrictions: Within the country, the cumulative amount of cash withdrawals (cash withdrawals) per card per day shall not exceed RMB 5,000 ( Excluding withdrawals at overpayment outlets); overseas, the cumulative amount of daily cash withdrawals (cash withdrawals) for ordinary cards shall not exceed US$500, for gold cards shall not exceed US$1,000, and per month shall not exceed US$5,000.

2. CCB credit card cash withdrawal limit: The overdraft cash withdrawal limit is set according to your card usage, and the maximum does not exceed 50% of your credit limit.

3. If you withdraw more than 2,000 yuan in excess payment on the same day, you must go to the counter of a China Construction Bank outlet.

Construction Bank credit card cash withdrawal fee:

1. If it is an overdraft withdrawal, the total cumulative cash withdrawal shall not exceed 50% of the credit limit, and shall not exceed the currently available credit limit of the card (i.e. credit limit - used limit).

According to the relevant requirements of the regulatory agency, within the available cash withdrawal limit, the cumulative daily cash withdrawal amount per card shall not exceed RMB 2,000.

A handling fee is required when withdrawing cash, and does not enjoy interest-free treatment. Corresponding interest will be calculated based on the overdraft time, and interest will be calculated at 0.05%/day starting from the date of the cash withdrawal transaction. Currently, CCB has a preferential cash withdrawal fee rate, which is the lowest among its peers. It is 0.5% of the cash withdrawal amount, with a minimum fee of 2 yuan and a maximum fee of 50 yuan.

2. If you are withdrawing cash for overpayment, you can withdraw it through the counter of a CCB outlet without the 2,000 yuan limit. You do not need to pay a handling fee for withdrawing overpayment from a local CCB bank, just like withdrawing from a debit card. Money is the same. The calculation and charging standards for overdraft withdrawals in other places or across banks are the same as those for overdraft withdrawals.

Summary: In fact, banks do not encourage cardholders to charge money into credit cards, because credit cards adopt a model of consumption first and repayment later. Therefore, the bank stipulates that a certain handling fee will be charged for overpayment withdrawal. If a cardholder encounters an "overpayment" situation, it is best to consume the overpayment by swiping the card to avoid unnecessary expenses.

Extended information:

As for the handling fees for "overpayment" when credit card holders withdraw cash, the charging bank stated that although the credit card holder withdraws his own money, It occupies the relevant resources of the bank. Because unlike ordinary debit cards, credit cards are cumbersome in terms of deposit and withdrawal account processing, and credit cards are used to encourage customers to spend, not for cardholders to use them as savings accounts, so the charges are reasonable.

Moreover, "overpayment" does not include interest. In other words, there is no benefit to "recharging" your credit card in advance and then spending it. If the cardholder wants to increase a certain credit limit, he or she can apply for a temporary limit from the bank's customer service center. There is no need to rely on "overpayment" to increase spending power.

Reference material: China Construction Bank - Cash Withdrawal by Credit Card

Can I withdraw cash after depositing money in a CCB credit card?

Yes.

1. CCB credit cards can be used to withdraw cash. However, the interest-free period cannot be enjoyed for cash withdrawals with credit cards. The bank will charge the cardholder interest at a daily interest rate of 0.5% from the date of cash withdrawal. Moreover, installments cannot be applied for cash withdrawals with credit cards. They can only be included in the one-time repayment of the next bill and are charged at 5%, with a minimum of 2 yuan and a maximum of 50 yuan. The central government of a municipality directly under the Central Government can only extract free overpayments from China Construction Bank. There is another situation. For example, if the overpayment is withdrawn by Bank of Ningbo's credit card, the handling fee will only be waived in Ningbo, and charges will be charged in other places in Zhejiang. Similarly, if the overpayment is withdrawn by Bank of Ningbo's credit card, handling fees will not be charged in other places in Zhejiang except for the overpayment handling fee withdrawn in Ningbo.

2. If there is a deposit in your card (i.e. overpayment), you can handle it in the following ways: (1) Transfer the overpayment through mobile banking, online banking, ATM, STM, branch counters, etc. The money is transferred to a bank savings account in my name (i.e. cash transfer). It is free to transfer the overpayment to a bank account in the same city, and the overpayment is free to transfer. (2) Overpayment withdrawals can be made through CCB branches or CCB self-service terminals. Overpayment withdrawals from local banks are free of handling fees and interest-free.

3. Withdrawal of local currency bank exits with the VISA or MasterCard logo and ATMs marked with the "+" or "Volume" logo will charge 3% of the withdrawal amount, with a minimum withdrawal fee of 3 USD (3 Euro European Travel Card and Global Payment Card 18 yuan); when withdrawing cash from an ATM with the UnionPay logo, the handling fee is 12 yuan + 1% of the withdrawal amount, with a minimum of 14 yuan. Some card friends will mistakenly deposit credit cards (credit cards do not require deposits, only consumption first, and then repayment). If there is no consumption, credit card deposits are promoted, and the money is not there. If you want it, you will be charged a high fee. There is a handling fee, so it should be avoided as much as possible. Overpayments do not bear interest.

If it is an overpayment, then it will not arouse people's interest if the local bank does not charge the current handling fee, (the so-called place is the location of the credit card issuing bank in the administrative province, such as the main card in Suzhou, the credit card There is no handling fee for withdrawals from the Suzhou Branch of the issuing bank. On the contrary, there is a cash handling fee for withdrawals outside the province.

Is there any additional charge for transferring cash with a CCB credit card?

CCB credit cards can handle cash transfers.

When transferring cash from a credit card, there is no interest-free period when the credit limit is transferred out. Interest will be charged from the bank accounting date. The daily interest rate is 0.05% and compound interest will be charged monthly. The handling fee is charged at 1% of the transfer amount, with a minimum of 2 yuan and a maximum of 100 yuan. No interest will be accrued for overdraft transfers, and handling fees will be waived for transfers to our bank's accounts in the same city. For transfers to our bank's accounts in other places, the handling fees will be the same as for overdraft transfers.

(In case of business changes, please refer to the actual situation.)

This is the introduction of whether CCB credit card can withdraw cash.