Does the poster want to withdraw the excess deposit (i.e. overdraft payment) from your credit card or withdraw cash from the overdraft?

If it is an overdraft payment, then there is no cash procedure required for withdrawal at the local bank. The fee will not accrue interest (the so-called local means that the card is withdrawn in the administrative province where the credit card issuance bank is located. For example, the poster's card is issued in Suzhou, and the card issuance bank is the Suzhou branch, so there is no cash withdrawal fee if it is withdrawn in Jiangsu Province. On the other hand, if you withdraw money outside the administrative province, there will be a cash withdrawal fee. The rate is 0.5 of the cash withdrawal amount, with a minimum of 2 yuan and a maximum of 50 yuan. In addition, regardless of whether within the province or outside the province, the withdrawal fee is per card per day. The maximum is 2,000. If the owner’s deposit is more than 2,000 and you want to withdraw it at one time, you have to go to the counter to withdraw it.)

If it is an overdraft withdrawal, the bank stipulates that the daily cash withdrawal per card shall not exceed 2,000 yuan, and the withdrawal fee will be charged. It is 0.5 of the cash withdrawal amount, with a minimum of 2 yuan, and overdraft cash withdrawal does not enjoy the interest-free period. Starting from the day of cash withdrawal, an interest of 0.5% of the cash amount will be charged every day

For example, the poster has an overdraft cash withdrawal of 2,000 Yuan, repay after 10 days

Total *** amount to be repaid = cash withdrawal principal, cash withdrawal handling fee, cash withdrawal interest

=2000 2000*0.5 2000*0.05*10 (10 days interest)

=2000 10 10

=2020 yuan

In just 10 days, an additional fee of 20 yuan will be incurred, which is actually quite high. , it is recommended that the poster try not to overdraft and withdraw cash, or pay it back as soon as possible after withdrawing cash