There is no handling fee when using a CITIC Bank credit card across provinces. There is a handling fee when withdrawing cash, but there is no inter-bank handling fee. You can withdraw cash from an ATM between two banks, and only the cash fee is charged, and there is no inter-bank withdrawal fee. .

Bank credit card cash withdrawal interest:

There is no interest-free period for credit card cash withdrawal. From the day of withdrawal, overdraft cash withdrawal interest of 0.5% will be charged every day until it is paid off.

Credit card overdraft cash withdrawal methods:

1. Overdraft cash withdrawal is a small cash loan provided by banks to cardholders, which helps cardholders flexibly allocate funds when they are in urgent need.

2. Overpayment cash withdrawal refers to the funds that credit card customers overpaid when repaying or the funds deposited in the credit card account. A certain amount of handling fees must be paid to withdraw the overpayment. This amount can increase the available limit of the cardholder's credit card or be used directly for consumption repayment. If there is an overpayment on the credit card, the overpayment will be deducted first and then the credit limit. If the overpayment is greater than the consumption amount, there will be no overdraft.

Credit Card Cash Withdrawal Process:

Automated Teller Machine (ATM)

(1) Follow the prompts to turn the card face up and insert the magnetic stripe on the back of the card to the right into the ATM;

(2) Enter the 6-digit cash withdrawal password (be careful to block the view of others with your hands or body when entering the password);

(3) Select the transaction type and amount, and withdraw cash;

(4) Press the exit key after the transaction is completed. If you choose to print (printing is recommended), a cash withdrawal slip will be automatically printed at the exit of the transaction sheet;

(5) Get the card back and cash withdrawal orders. Keep the cash withdrawal slip properly for reconciliation.