In Chinese mainland, cash withdrawal from POS merchants by credit card (credit card) is a kind of cash withdrawal by credit card. Credit card swiping in POS merchants is generally for consumption, in exchange for goods or services, while cashing out is an illegal act of using credit cards to overdraw (it is completely legal in some foreign countries). In addition, some credit cards can also be overdrawn from ATM, but unlike POS merchants, as long as the issuing bank provides this service, it is legal, and this cash withdrawal method may also be called cash withdrawal.

The overdraft function of credit card has become the reason why people cash out. Credit cards are swiped in the form of consumption, and the corresponding amount is returned by the merchants in the form of money. And charge a certain fee.