1. If you repay the credit card in full and on time according to the bill, there will be no handling fees and interest.

2. There are handling fees and interest for cash withdrawals.

Cash withdrawal handling fee:

1) Domestic cash withdrawal handling fee: 2.5 of the cash withdrawal amount, with a minimum of RMB 25 per transaction;

2) Overseas cash withdrawal Handling fee: It depends on the network used by the customer. If using the UnionPay network, the cash withdrawal fee is 3% of the cash withdrawal amount, with a minimum of RMB 40 per transaction; if using other networks such as MasterCard, the cash withdrawal fee is 3% of the cash withdrawal amount, with a minimum of 5 US dollars. /charge.

Cash withdrawal interest:

The interest is calculated daily at a daily interest rate of 5/10,000 from the date of cash withdrawal, and compound interest is calculated monthly.

For example, if a single domestic cash withdrawal is 50,000, the handling fee is 1,250 and the interest is 25 yuan per day.