The handling fee standard for overseas withdrawal of credit cards is as follows: for withdrawal through UnionPay network, it is charged at 12 yuan+1% of the withdrawal amount, ranging from 14 yuan to1/2 yuan. Withdrawals through VISA, MasterCard or JCB network are charged at 3% of the withdrawal amount, with a minimum of $3 or $3 and a maximum of $50 or $50. Withdrawals made through American Express network are charged at 3% of the withdrawal amount, ranging from 18 yuan to 300 yuan.
Cash lent in advance does not enjoy interest-free repayment period, and interest is compounded monthly from the date of entry to the date of settlement. Unless otherwise agreed by both parties, the daily interest rate for overdraft withdrawal is 0.5 ‰ (about converted annualized interest rate is 18.25%, and the conversion formula is calculated according to annual interest rate = daily interest rate *365; The annualized interest rate is calculated with simple interest. Due to different days in different months and different repayment conditions of cardholders, the actual annualized interest rate may be different from the above annualized interest rate. The final actual interest is subject to the bill. (In case of business changes, please refer to the actual situation. )