It's just that everyone needs to pay attention to that just because a credit card has an available amount doesn't mean that it can be withdrawn. Because it is very likely that the withdrawal limit of the card has been used up. The withdrawal amount of a card is mostly 50% of the credit limit (some are 100%).
For example, if the credit limit of a card is 6,000 and the withdrawal limit is 3,000, then if the customer has already withdrawn 3,000 before and has not repaid, even if the current credit card still has 3,000 available, the customer can't withdraw it, and these lines can only be used for consumption. Therefore, customers should pay attention to whether there is a cash withdrawal limit on the card before withdrawing cash. If there is no withdrawal limit, repayment is required, and the withdrawal operation will be carried out after the payment is paid off and the withdrawal limit is restored.
Credit card, also called debit card, is a credit certificate issued by commercial banks or credit card companies to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards. From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).