You can apply to increase the temporary limit or pre-deposit the difference before purchasing.

1. Cash withdrawal by credit card:

1. Cash withdrawal by credit card overdraft:

A Handling fee: It depends on the regulations of each bank. For example, the cash withdrawal fee for Ping An Credit Card is 2.5, with a minimum of 25 yuan/transaction; the CCB credit card domestic cash withdrawal fee is 0.5 of the cash withdrawal amount, with a minimum of 2 yuan/transaction, and a maximum of 100 yuan/transaction; China Merchants Bank Credit card domestic cash withdrawals are charged at the amount of 1, with a minimum of RMB 10 per transaction;

B Interest: Calculated at 0.05% daily interest.

2. Cash withdrawal for credit card overpayment: Some banks need to charge a handling fee, and some do not. For example, the handling fee of China Merchants Bank is 0.5 of the amount withdrawn, and the minimum charge is ￥5 yuan or $1 US dollar.

2. Use your credit card to make purchases at the POS machine:

1. Pay the full amount on time, interest-free;

2. Pay the minimum payment on time, according to A daily interest of 0.05% will be charged;

3. For overdue repayment, in addition to the above-mentioned interest, there will also be late fees.