No money will be deducted from the credit card. If the user finds a transaction that is not theirs in the bill details, they can call the customer service of the card issuing bank.

Credit cards generally deduct annual fees, value-added services, overdue fees, and overdraft amounts. The details are as follows:

1. Annual fee: The deducted annual fee will be added to the cardholder's balance and will be displayed on the statement when the next payment is made. but. At present, many banks have introduced credit card annual fee-free policies. Cardholders can be exempted from annual fees as long as they reach the number of card swipes.

2. Value-added services: If the cardholder has opened the bank's value-added services, such as SMS reminder service, it will also be added to the cardholder's due payment and automatically deducted from the credit limit.

3. Overdue fees: When the credit card is overdue, the bank will charge late payment fees and penalty interest. For example, if the China Merchants Bank credit card is overdue, the late payment fee will be charged at 5% of the unpaid minimum repayment amount, and the penalty interest will be charged at 0.05%. , that is, all consumption in the current period, calculated from the accounting date until the cardholder pays off all.

4. Cash advance: After the cardholder makes an overdraft, the bank will charge 0.05% interest on the withdrawal amount and a withdrawal fee.

Does withdrawing cash by credit card affect your credit report?

Credit card withdrawals do not affect your credit. Credit card withdrawals are not specifically listed on one's credit, and the withdrawal itself does not affect credit. However, if the cash is not returned on time, the overdue record will be recorded in the bank's credit report, causing a stain on the personal credit report that cannot be eliminated in the short term, which will have a negative impact on the future processing of loans, credit cards and other businesses.