1. If the credit card is repaid on the repayment date, it can be overdrawn and withdrawn on the same day. As long as the credit card is in normal use and there is a remaining amount in the card, it can be withdrawn at any time; Cash withdrawal on the repayment date of the credit card is included in the next bill, and should be repaid before the repayment date of the next bill.

2. At present, if the UnionPay logo on the credit card indicates that the card has joined the China UnionPay organization, the cardholder can withdraw cash at any ATM with the UnionPay logo. However, you need to pay interest when you withdraw cash from a credit card overdraft, and the interest is calculated from the day you withdraw cash.

3. The limit of overdraft withdrawal is set according to the cardholder's card usage, and the maximum is not more than 5% of the cardholder's credit limit. The daily limit of ATM withdrawal per card per person is 2,. In addition to the withdrawal fee, domestic and foreign overdraft withdrawals must also pay interest, and some banks can enjoy interest-free treatment.

Extended information:

About credit card withdrawal skills

1. Credit card withdrawal does not enjoy the interest-free period, and it is calculated at five ten thousandths of the daily interest from the date of withdrawal until it is paid off. In addition, credit card withdrawal requires handling fees, but the charging standards of each bank are different, generally between 1% and 3%. The lower one is Bank of Communications, which is 1%, and the higher one is Ping An Bank and China Everbright Bank, which is as high as 2.5%.

2. Correct operation of credit card withdrawal method:

1. Choose the correct card. Each bank has different policies on cash withdrawal from credit cards, which are reflected in the cash withdrawal fee and cash withdrawal ratio. Some bank credit cards are free of charge, and the following are rare credit cards that are free of charge, which are worth handling:

(1) ICBC's local bank is free of charge.

(2) Bank of China Great Wall Global Connect series local bank counter orATM cash withdrawal is free of charge.

(3) China Merchants Bank YOUNG Card, GQ, Weibo Daren Card and City Co-branded Card.

(4) The blue card of China CITIC Bank is free of handling fees within the accumulative amount of 5, yuan per bill month (inclusive) when it is withdrawn by the Bank; Withdrawal from other banks is free of handling fee for the first two transactions of each billing month, and the handling fee is charged according to 2 yuan/transaction for the excess; China CITIC Bank's credit card for international students is free of cash withdrawal fee once a month.

(5) Guangdong Development Bank's domestic withdrawal of high-end platinum cards is free of handling fees; Guangfa Ctrip Credit Card will withdraw cash from different places once a month free of charge; There is no handling fee for the first 3 overdrafts in 3 months after Guangfa Smart Card is issued.

2. The earlier the repayment, the better. There is no interest-free period for credit card withdrawal, and the interest of five ten thousandths per day is no joke, almost catching up with usury.

3. Replace cash withdrawal with cash installment. Credit card withdrawal fees and interest are extremely expensive, so try credit card loans (cash installment), such as "e-loan" for China Merchants and "universal fund" for Pudong Development. Cash installment only requires a handling fee. The handling fee will be included in the first month's bill after installment. Compared with the daily interest plus handling fee of 5/1 of cash withdrawal by credit card, the cost of cash installment is much more cost-effective.

Baidu encyclopedia-cash withdrawal by credit card