2. Bank ATM withdrawal: Users can withdraw money with credit card and password at the bank ATM with UnionPay logo. Generally, you need to pay a handling fee and interest, the handling fee is 65438+ 0% of the withdrawal amount, and the interest is charged at the daily interest rate of 0.05%.
Credit card withdrawal is set up by the bank to meet the cardholder's urgent need for cash. At present, the charge standard for cash withdrawal by credit card is very high. When withdrawing the credit card, the handling fee of 1-3% will be deducted immediately, and the interest will be calculated at the rate of five ten thousandths per day, and the compound interest will be calculated monthly. Therefore, please do not use the credit card cash withdrawal function unless it is an emergency.
But now there is a person in the society who uses a credit card to show it on a POS machine to collect cash. Avoid restrictions on credit card cashing.
Credit card installment payment refers to the business that when a cardholder uses a credit card to make a large amount of consumption, the card-issuing bank pays the consumption funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and deducts the consumption funds through the cardholder's credit card account in stages according to the cardholder's application, and the cardholder repays according to the monthly recorded amount.
In the past, credit card installment mainly included bill installment and single consumption installment, and banks usually charged corresponding handling fees according to the number of installments. Whether it is bill installment or single consumption installment, the premise is to generate consumption behavior first, and then the bank will set installment repayment for the generated credit loan.
Most domestic banks have credit card installment business. Installment payment is generally divided into POS installment, "mail order installment" and bill installment according to different occasions.