The Measures for the Administration of Bank Cards have corresponding provisions on this:

Article 21 When a cardholder chooses the minimum repayment method or uses a card that exceeds the credit limit approved by the issuing bank, he will no longer enjoy the interest-free repayment period, and will pay overdraft interest at the prescribed interest rate from the bank bookkeeping date.

Credit card holders who withdraw cash or quasi-credit card overdrafts do not enjoy interest-free repayment period and minimum repayment amount, but should pay overdraft interest calculated at the prescribed interest rate on the cash transaction amount or overdraft amount from the bank bookkeeping date.

Extended data:

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Relevant laws and regulations of the Measures for the Administration of Bank Cards:

Article 38 When a cardholder opens a telephone or ATM to transfer money, the daily transfer amount of each card shall not exceed 50,000 yuan. When opening online bank transfer, cardholders should use digital certificates, electronic signatures and other security authentication methods.

The single transfer amount shall not exceed 1 1,000 RMB, and the daily cumulative transfer amount shall not exceed 5,000 RMB. Except for the payment of public utility fees and the transfer between accounts of the same cardholder.

Article 39? Strict access to special merchants, the implementation of real-name registration system for special merchants. The acquiring institution shall establish a strict real-name audit and on-site investigation system, and make full use of the online identity verification information system and the credit information system of the People's Bank of China.

Baidu Encyclopedia-Bank Card Management Measures