Hello, if you are using our credit card, our credit card supports cash advance through ATM, bank counter, online banking and telephone.

Each credit card needs to set a transaction password and keep the cash advance function enabled before cash can be withdrawn.

Access method: Log in to credit card online banking, click "Card Management" → "Transaction Password Management", and follow the prompts.

More ways

Mobile banking: Log in to credit card mobile banking, enter "Card Management" → "Transaction Password Management" and follow the prompts.

Phone voice: Call the credit card service hotline, after verifying your identity, press 3, and then press 3 again to enter "Transaction Password Setting and Modification".

Handling fee: The handling fee for domestic RMB cash advance is 1% of the amount of each cash withdrawal, with a minimum charge of RMB 10 per transaction; the handling fee for overseas cash advance is 3% of the amount of each cash withdrawal, with a minimum The fee is USD 3 or RMB 30 per transaction (the minimum charge for American Express-Centurion Black Gold Card and American Express-Centurion Platinum Card is USD 5 or RMB 30 per transaction). There is no inter-bank handling fee for cash advance.

Interest: Cash advance does not enjoy interest-free repayment. From the day of cash withdrawal to the date of settlement, interest will be charged at a daily interest rate of 5/10,000, and compound interest will be charged on a monthly basis.

Limit limit: The cash advance limit is generally 50% of the credit limit (except for cards with special regulations). At the same time, the daily cumulative cash advance amount of each domestic card is capped at RMB 2,000; the daily cumulative cash advance amount of each household for overseas non-UnionPay lines shall not exceed the equivalent of US$1,000, and the cumulative amount within one month shall not exceed the equivalent of US$5,000. , the cumulative amount within 6 months does not exceed the equivalent of US$10,000.

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