domestic

Credit card withdrawal is different from credit card withdrawal. Cash withdrawal by credit card is one of the inherent functions of credit card itself. Cardholders can withdraw cash from the bank by credit card. Credit card withdrawal mainly includes overdraft withdrawal and overpayment withdrawal. You need to pay interest for overdraft cash withdrawal, and the interest will be calculated from the day you withdraw cash, while the overpayment cash withdrawal does not require interest, only a part of the handling fee, depending on the bank's regulations.

At present, if there is a UnionPay logo on the credit card, it means that the card has joined the China UnionPay organization, and the cardholder can withdraw cash from any ATM with the UnionPay logo.

Overseas/overseas

Outside China, besides Hong Kong, Macao and Taiwan, there are still many countries whose UnionPay system has not been popularized, so most of them need to take the international card organization channel to withdraw cash abroad. It depends on whether you have an international card. An international card can be easily distinguished by looking at whether there are LOGO of credit card organizations such as Visa or Master besides UnionPay.

It should be noted that all the bank cards under the Visa International Credit Card Organization are marked VISAEECRON INTERLINK VISA Plusvisascard, in which VisaVisa's credit card can be cashed, ElecronVisa's debit card can be cashed, but not overdrawn, and PlusVisa's withdrawal card can only be cashed, but not overdrawn.

overdraw

The withdrawal amount is set according to the cardholder's card usage, and the maximum amount shall not exceed 50% of the cardholder's credit limit. The daily limit of ATM withdrawal is 2000 per person per card. In addition to the withdrawal fee, domestic and foreign overdraft withdrawals must also pay interest, and some banks can enjoy interest-free treatment.

Overpayment cash withdrawal refers to the cardholder's withdrawal of the funds or overpayments stored in the card when repaying. Overpayment can automatically increase the available amount of the main card, but does not increase the available amount of the auxiliary card. If it is necessary to increase the available amount of supplementary cards, cardholders should call the bank telephone service hotline to apply.