1. How to calculate the handling fee and interest of bank credit card withdrawal?
Bank credit card withdrawal restrictions:
At present, the withdrawal limit stipulated by most bank credit cards is 50% of your credit line, but Guangfa Bank will give it to you as appropriate according to your card usage, with the maximum not exceeding 100% of the actual limit.
1. Domestic cash withdrawal limit:
(1) Each card can only borrow cash on the basis of the credit line every day, and the accumulated withdrawal amount shall not exceed RMB 2,000.
(2) The maximum amount of cash withdrawn from the ATM every day for each card shall not exceed RMB 5,000.
(3) For cash withdrawal at the counter, the maximum amount of overcharged cash is+2,000 RMB.
2. Restrictions on overseas cash withdrawal:
The accumulated ATM withdrawal amount of each card shall not exceed USD 65,438+0000 per day, USD 5,000 per month and USD 65,438+00000 per half year;
Handling fee and interest for credit card withdrawal of Guangfa Bank:
1. Interest: The bank will charge 0.5 ‰ of the daily interest rate from the trading day, and the overdraft withdrawal interest will be charged daily until you pay off the overdraft withdrawal amount and overdraft withdrawal handling fee.
2. Handling fee:
Calculation formula: overdraft withdrawal fee = overdraft withdrawal amount 2,500 yuan ×2.5% = 62.5 yuan.
(1) Domestic: RMB cards and dual-currency cards account for 2.5% of the cash withdrawal amount; The minimum is RMB 65,438 +00/ transaction; 2.5% of the cash withdrawal amount of USD card and HKD card.
(2) Overseas: RMB card is 3% of the cash withdrawal amount, with a minimum of 15 yuan RMB per transaction; The dollar card is 3% of the cash withdrawal amount, with a minimum of $3 per transaction; The minimum amount of each card is HK$ 40 yuan, which is 3% of the withdrawal amount; Hong Kong cards are charged at 3% of the cash withdrawal amount, with a minimum of HK$ 40 per transaction.
Second, how to refund the credit card?
1. When applying for Guangfa Credit Card, provide as many financial certificates as possible, such as income certificate, bank deposit certificate, real estate certificate, automobile production certificate, etc. The bank will evaluate the cardholder's assets according to these certificates.
2. After the credit card bid is successful, the number and amount of credit card spending should be as much as possible. Generally speaking, the total consumption for half a year must reach at least 30% of the quota, which can prove that cardholders have strong demand for credit cards and high loyalty to Guangfa Bank.
3. After using the credit card of Guangfa Bank, you must repay on time before the repayment date every month. Once overdue, you will not only have to pay a high late fee, but also have a bad credit record, which will affect your application for credit card or loan in the future.
Under normal circumstances, after the credit card has been used for 6 months, the cardholder can take the initiative to apply to the bank to increase the credit limit.