A handling fee of 1% is charged for cash withdrawal by credit card, and interest is charged at the daily interest rate of 0.05%. The interest rate of micro-loans is generally between 0.02% and 0.05%, which is more cost-effective. Moreover, micro-loan is a micro-credit product under Weizhong Bank, which is quite formal. My daily interest rate is 0.03%, and I can borrow it when I need it, without any handling fee.