If it is overpaid, the local bank has no cash handling fee.
The so-called local, that is, in the administrative province where the credit card issuer is located, for example, if your card is run by Suzhou and the issuer is Suzhou Branch, then there is no cash withdrawal fee in Jiangsu Province. On the other hand, when withdrawing money outside the administrative province, there will be a withdrawal fee, which is 0.5% of the withdrawal amount, ranging from the lowest in 2 yuan to the highest in 50 yuan. In addition, no matter in or out of the province, the maximum withdrawal per card of self-service equipment is 10000 per day. If your deposit exceeds 10000 and you want to withdraw it at one time, you must go to the counter to get it. In addition, you must make an appointment in advance if you exceed 50 thousand yuan.
If it is the overdraft limit of a card, the bank stipulates that the daily withdrawal of each card shall not exceed 10000 yuan, and the withdrawal handling fee shall be 0.5% of the withdrawal amount, with the minimum 2 yuan. Moreover, overdraft withdrawal does not enjoy the interest-free period, and interest of five ten thousandths of the cash amount is charged every day from the date of withdrawal.
For example, if the overdraft is 2000 yuan, it will be paid back after 10 days.
Total amount payable = withdrawal principal+withdrawal handling fee+withdrawal interest.
= 2000+2000 * 0.5%+2000 * 0.05% *10 (10 interest)
=2000+ 10+ 10
=2020 yuan