Credit card loans can be said to be credit card overdrafts, and the interest rate of credit card overdrafts will generate interest. At present, all banks have to charge a handling fee for withdrawing cash. If it is an overdraft withdrawal, the interest will be calculated from the same day. In this way, the cardholder not only has to pay a handling fee of tens of yuan, but also pays five ten thousandths of overdraft interest every day. As for why credit card withdrawal is charged, it is different from the nature of debit card withdrawal. The overdraft on credit card has already belonged to "loan in the bank, and of course the loan has interest". Therefore, experts suggest that it is best to use a debit card to withdraw cash.

It is reported that at present, the 50-day (or 56-day) interest-free period stipulated by various banks is not the same, so cardholders had better have a bottom in mind. Among them, ICBC stipulates that this month's consumption will be interest-free until the 25th of next month. Assuming that the cardholder spent money on the 30th of last month, the interest-free period is 25 days as of the 25th of this month; If the cardholder spent money 1 last month, the longest interest-free period is 56 days; Each CMB credit card has a billing date, and the interest-free period from the billing date is =+18 days. Suppose the 5th is the billing date of your credit card, and the interest-free period for spending on the 3rd is 2 1 day from the 3rd of this month to the 23rd of this month. If it is spent on the 6th, then from the 6th of this month to the 23rd of next month, 49 days is an interest-free period; CITIC Industrial Bank also has a billing date every month, with a maximum interest-free period of 56 days.