Can I withdraw cash with a CCB credit card?

Yes. \50% of the credit limit can be used for cash withdrawal, and the daily cash withdrawal amount shall not exceed 2,000 yuan. \Overdraft withdrawals are subject to handling fees and interest. The handling fee is 0.5% of the cash withdrawal amount (2-50 yuan). For example, if you withdraw 2,000 cash, the handling fee is 10 yuan, and the interest is 50,000 of the cash withdrawal amount. Compound interest is calculated monthly. , so the daily interest rate is 1 yuan. After cash withdrawal, repayment must be made within 20 days after the bill date at the latest. \If there is an overpayment on the card, it means that there is excess after paying off the money on the card. You can also withdraw it. There is no handling fee for withdrawal at CCB outlets or self-service equipment in the city where the card is applied for. Overdraft withdrawals across banks or provinces and cities will incur handling fees, and the charging standards are the same as overdraft withdrawals.

Can I withdraw cash with a CCB credit card?

You can withdraw cash directly with a credit card. Credit card cash withdrawal methods include counter cash withdrawal, ATM self-service machine cash withdrawal, mobile banking cash withdrawal, personal online banking cash withdrawal, etc. Cardholders can withdraw cash directly or transfer money to a debit card. The cash withdrawal limit of a credit card is usually half of the credit limit, and cash withdrawals require payment of handling fees and interest.

Different banks have different calculation methods for credit card cash withdrawal fees. Most of them are charged at a one-time basis of 1% of the transaction amount. Cash withdrawal interest is calculated in the same way, and is charged at 0.05% of the transaction amount on a daily basis. , calculated from the date of withdrawal to the day before the date of repayment. Therefore, the cost of withdrawing cash by credit card is very high, so it is recommended not to withdraw cash as much as possible.

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Duxiaoman Financial will effectively implement the country’s call to support small and micro enterprises to overcome difficulties. Its credit service brand has money to fully support the production and operation of small and micro businesses. Duxiaoman Financial is the owner of most small and micro businesses. first choice. It is reported that 70% of Duxiaoman Financial’s credit users are small and micro business owners. Up to now, Duxiaoman Finance has joined hands with dozens of financial partners to issue hundreds of billions of loans to small and micro business owners.

This answer is provided by Kangbo Finance. Kangbo Finance focuses on interpretation of hot financial events and popularization of financial knowledge. It adheres to professionalism and pursues fun, and produces financial content that people can understand, using vivid and diverse methods. Deliver financial value. Hope this answer is helpful to you.

Can I withdraw cash after depositing money in a CCB credit card?

Yes.

1. CCB credit cards can be used to withdraw cash. However, the interest-free period cannot be enjoyed for cash withdrawals with credit cards. The bank will charge the cardholder interest at a daily interest rate of 0.5% from the date of cash withdrawal. And the cash withdrawal part of the credit card cannot be applied for installment. It can only be included in the one-time repayment of the next bill, and is charged at 5%, with a minimum of 2 yuan and a maximum of 50 yuan. The central government of a municipality directly under the Central Government can only extract free overpayments from China Construction Bank. There is another situation. For example, if the overpayment is withdrawn by Bank of Ningbo's credit card, the handling fee will only be waived in Ningbo, and charges will be charged in other places in Zhejiang. Similarly, if the overpayment is withdrawn by Bank of Ningbo's credit card, handling fees will not be charged in other places in Zhejiang except for the overpayment handling fee withdrawn in Ningbo.

2. If there is a deposit in your card (i.e. overpayment), you can handle it in the following ways: (1) Transfer the overpayment through mobile banking, online banking, ATM, STM, branch counters, etc. The money is transferred to a bank savings account in my name (i.e. cash transfer). It is free to transfer the overpayment to a bank account in the same city, and the overpayment is free to transfer. (2) Overpayment withdrawals can be made through CCB branches or CCB self-service terminals. Overpayment withdrawals from local banks are free of handling fees and interest-free.

3. Withdrawal of local currency bank exits with the VISA or Mastercard logo and ATMs marked with the "" or "Volume" logo will charge 3% of the withdrawal amount, with a minimum withdrawal fee of 3 USD (3 EUR 18 yuan for European travel cards and global payment cards); when withdrawing cash from an ATM with the UnionPay logo, the handling fee is 1% of the withdrawal amount of 12 yuan, with a minimum of 14 yuan. Some card friends will mistakenly deposit credit cards (credit cards do not require deposits, only consumption first, and then repayment). If there is no consumption, credit card deposits will be promoted, and the money will not be there. If you want it, you will be charged a high fee. There is a handling fee, so it should be avoided as much as possible. Overpayments do not bear interest.

If it is an overpayment, then it will not arouse people's interest if the local bank does not charge the current handling fee, (the so-called place is the location of the credit card issuing bank in the administrative province, such as the main card in Suzhou, the credit card There is no handling fee for withdrawals from the Suzhou branch of the issuing bank in Jiangsu Province. On the contrary, there is a cash handling fee for withdrawals from outside the province.

How to withdraw cash from a credit card to a bank card?

CCB can operate it through bank counters or ATMs. Currently, mobile banking cannot be withdrawn. Generally, the maximum withdrawal limit is 50% of the credit limit, and the maximum withdrawal limit per card per day is 5,000 yuan.

Credit card withdrawals vary. For credit card cash withdrawal, credit card cash withdrawal is one of the inherent functions of the credit card itself. Cardholders can use the credit card to withdraw cash from the bank. Credit card cash withdrawal mainly includes two methods: overdraft cash withdrawal and overdraft cash withdrawal. Overdraft cash withdrawal requires payment of interest. Interest will be calculated from the day you withdraw cash. However, you do not need to pay interest for overpayment withdrawals, and you only need to pay part of the handling fee. The details will depend on the regulations of each bank.

It should be noted that the Visa international credit card organization. The bank card logos below include Visa Elecron Interlink Plus Visacash, which includes the credit card under Visa, which can withdraw cash and can be overdrafted. The debit card under ElecronVisa can be withdrawn, but cannot be overdrafted. The ATM card under PlusVisa can only be withdrawn, but cannot be overdrafted. The Internet transfer card under InterlinkVisa can be withdrawn, but cannot be overdrafted. Cards with the UnionPay logo can withdraw cash.

If there is a UnionPay logo on a credit card, it means that the card has joined the China UnionPay organization. Cardholders can withdraw cash at any ATM with the UnionPay logo.

< p>Except for Hong Kong, Macao and Taiwan, there are many countries outside the country where the UnionPay system is not popular, so most overseas cash withdrawals need to go through the international card organization channel. This depends on whether the card you hold is an international card. If you want to distinguish the international card It's easy to just check whether there is a logo of a credit card organization such as Visa or Master in addition to UnionPay.

The overdraft cash withdrawal limit is set according to the cardholder's card usage, and the maximum does not exceed the cardholder's credit limit. 50% of the limit, and the daily limit for ATM cash withdrawals per person is 2,000. In addition to the cash withdrawal fees, credit card cash withdrawals, domestic and overseas overdraft withdrawals also require interest, and some banks can enjoy interest-free treatment.

Cash withdrawal is when the cardholder withdraws the funds stored in the card or the funds overpaid during repayment. Overpayment can automatically increase the available limit of the main card, but does not increase the available limit of the supplementary card if necessary. The cardholder should call the bank's telephone service hotline to apply.

Credit card cash withdrawals mainly include overdraft cash withdrawals and overdraft cash withdrawals. Overdraft cash withdrawals are small amounts of cash provided by banks to cardholders. Borrowing helps cardholders flexibly allocate funds when they are in urgent need.

Cash withdrawal of overpayment refers to the withdrawal of overpayment by credit card customers when repaying the loan or the funds deposited in the credit card account. A certain amount of handling fee is required for payment. This amount can increase the available limit of the cardholder's credit card or be used directly for consumption repayment. If there is an overpayment on the credit card, the overpayment will be deducted first and then the credit limit. If the overpayment is greater than the consumption amount, there will be no overdraft.

That’s it for the introduction of whether CCB credit card can be used to withdraw cash.