Generally speaking, the credit limit of a credit card cannot be fully withdrawn. The credit limit of a credit card is the maximum amount that a bank can give cardholders for overdraft consumption or cash withdrawal, except for the youth cards of China Merchants Bank and Bank of Communications, and other credit card products with special agreements with banks.

The cash advance limit of a credit card is generally set according to the bank's standards and the cardholder's use of the card, which is included in the credit limit of the credit card. Generally, the withdrawal amount does not exceed 50% of the credit line. For details, please call the credit card 24-hour customer service hotline.

In addition, there is a limit to cash withdrawal by credit card. According to the relevant regulations of the People's Bank of China, the daily accumulated cash advance of each card in China does not exceed RMB 2,000. The daily cash advance of each overseas family shall not exceed the equivalent amount of US$ 65,438+0,000, US$ 5,000 within 65,438+0 months and US$ 65,438+0,000 within 6 months.

Credit card advance cash will also generate corresponding handling fees and interest. The specific handling fee standard is subject to the specific provisions in the bank credit card charging standard; Cash advance transactions do not enjoy interest-free repayment, and interest is charged at a daily rate of 0.5 ‰ from the trading day to the settlement day, with compound interest on a monthly basis.

Three credit cards with full cash withdrawal:

I. Y-POWER Card of Bank of Communications

Ultra-low withdrawal fee, ultra-high withdrawal amount!

1, and the withdrawal amount is even higher than 100% of the credit card amount.

2. For domestic RMB cash withdrawal, the handling fee will be as low as 5 yuan/transaction, no matter whether it is interbank or in different cities.

3. Enjoy the longest interest-free repayment period of 56 days, which is 6 days longer than the longest interest-free period of most credit cards!

Second, the Bank of Communications is more stuck.

1, and the overdraft withdrawal amount can be as high as 100% of the credit line.

2. The deposit bears interest, and the deposit deposited in the multi-card account pays interest on a daily basis according to the expected annualized interest rate of the demand deposit.

3. Withdrawals from local banks are free of charge.

Third, China Merchants Bank Youth Card

The first choice for young fashionistas!

1, the first withdrawal every month is free, and the withdrawal amount is as high as 100% of the credit card amount.

2. The cash withdrawal rate is 65,438+0%, and at least 65,438+00 yuan is collected at one time.

3. Enjoy double products in the birthday month.