The domestic credit card withdrawal fee standards are as follows: 1% of the amount of cash withdrawal (including digital RMB withdrawal), with a minimum of 2 yuan and a maximum of 100 yuan for a single transaction. Domestic intra-city overpayment cash withdrawals of our banks are exempt from cash handling fees. There is no handling fee for the digital RMB redemption of credit card overpayment.

The handling fee standards for overseas withdrawals by credit card are as follows: for withdrawals through the UnionPay network, the fee is 12 yuan + 1% of the cash withdrawal amount per transaction, with a minimum of 14 yuan and a maximum of 112 yuan. Withdrawals through the VISA, MasterCard or JCB network are charged 3% of the withdrawal amount per transaction, with a minimum of 3 US dollars or 3 euros and a maximum of 50 US dollars or 50 euros. Withdrawals through the American Express network are charged 3% of the withdrawal amount per transaction, with a minimum of 18 yuan and a maximum of 300 yuan.

Cash advances do not enjoy the interest-free repayment period. Interest will be charged from the date of entry to the date of repayment, and compound interest will be charged on a monthly basis. Unless otherwise agreed by both parties, the daily interest rate for overdraft withdrawal is 0.05% (the approximate annualized interest rate is 18.25%, and the conversion formula is calculated as annual interest rate = daily interest rate * 365; the annualized interest rate is calculated using simple interest, subject to The actual annualized interest rate may be different from the above-mentioned annualized interest rate due to factors such as the number of days in the month and the cardholder's repayment situation.) The final actual interest will be based on the invoice. (In case of business changes, please refer to the actual situation.)