If you can't enjoy the interest-free period of cash withdrawal, the interest will be charged at 0.5 ‰ per day from the date of cash withdrawal, with compound interest on a monthly basis. It starts the day after you withdraw cash. For example, if you take 15000 yuan, the monthly interest is15000 * 5/10000 * 30 = 2250 yuan.

In addition, the credit card withdrawal amount is half of the credit limit, and the credit card takes the existing daily limit, with a maximum of 2,000 yuan/day. If you withdraw cash from an ATM, you can only get 2,000 yuan a day.

At present, there is still a handling fee, and the handling fee standard is as follows: (no inter-bank handling fee is charged).

1. The handling fee for RMB cash advance in China is 1% of each cash withdrawal amount, and the minimum charge is 10 RMB;

2. The handling fee for overseas cash advance is 3% of each withdrawal amount, with a minimum charge of USD 3 or 30 yuan RMB (American Express Card-Centurion Black Gold Card and American Express Card-Centurion Platinum Card, with a minimum charge of USD 5 or 30 yuan RMB).

After cash withdrawal, before the repayment date due in the second month, you must pay at least the minimum repayment amount, and the interest must be paid in full, otherwise your credit will be affected.

Therefore, it is not recommended that you withdraw cash by credit card.