Two ways to withdraw cash from credit cards:
Go directly to UnionPay deposit and withdrawal machine to withdraw money. In this case, you can only withdraw half of the credit limit. For example, the credit line is 50,000, and the maximum amount can only be 25,000.
Brush it out on the POS machine. In the way of virtual message, the merchant charges a small fee and gives you cash directly. The bank doesn't know how you got out. As shopping expenses. There is an interest-free period. Have a plenty of 50 days, as long as it is paid off within the specified time, it will not generate interest.
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Alipay's loan is a small loan for credit reporting. If there is a demand for buying a house in the past three months, it is not recommended to borrow it. If the loan is shown as an operating loan in the credit list, the interest is 15000 yuan per day, which is equivalent to 7.22% of the annual interest rate, while the credit card handling fee is 6%. Therefore, loan interest within 10 days is more cost-effective than credit card. If it takes more than ten days, the interest is more than twice that of a credit card. You can do it in the following ways.
References:
Baidu Encyclopedia _ Credit card repayment