1. overdraft fee: the domestic overdraft withdrawal fee is 2.5% of the overdraft withdrawal principal, and the minimum fee for each transaction is RMB 10 yuan.
The handling fee for overseas withdrawal is 3% of the withdrawal principal, and the minimum charge for each withdrawal is 3 US dollars (international line) or RMB 15 yuan (UnionPay line).
2. Overdraft interest: Cash interest shall be charged at 0.5 ‰ of overdraft withdrawal principal and withdrawal handling fee from the date of withdrawal.
Third, Guangfa Credit Card overdraws through various channels!
1, telephone overdraft cash withdrawal (a new idea of convenient cash withdrawal, a phone call, immediately take it to the savings account)
Just dial 95508 with the mobile phone registered in our system, press 4→ press 6, and start the telephone overdraft withdrawal service according to the voice prompts, so that the overdraft cash of the credit card can be transferred to your own savings account in our own name, without going out, and you are in a hurry. (It only takes 1-2 working days to transfer to a bank savings account and a non-public offering. ) Each pen can be withdrawn at will, with a maximum of 500,000 RMB.
2. Mobile banking overdraft cash withdrawal (anytime, anywhere, peace of mind and convenience)
Log in to our mobile banking, select Credit Card → Transfer and Remittance → Transfer with the same name, and follow the system prompts to overdraw cash from your credit card to a valid savings account in your name. Each pen can be withdrawn at will, with a maximum of RMB 500,000.
3. Online banking overdraft cash withdrawal (no need to wait, convenient online access)
Log in to our online bank, select Credit Card → Credit Card Transfer → Overdraft Transfer, and follow the system prompts to overdraw cash from your credit card to a valid savings account in your name. Each pen can be withdrawn at will, with a maximum of RMB 500,000.
4.ATM overdraft cash withdrawal
With the withdrawal password, you can withdraw RMB or local currency from ATM machines with VISA, MasterCard or UnionPay logo at home and abroad.
5. Overdraft and cash withdrawal at the counter of bank outlets
With your credit card and withdrawal password or valid certificate, you can withdraw RMB or local currency at the counters of branches of Guangfa Bank or at the counters of banks with VISA, MasterCard or UnionPay logo outside China. Each pen can be withdrawn at will, with a maximum of RMB 500,000.