Cash withdrawal by credit card is a basic function of credit card, just like overdraft consumption. Withdrawal itself does not affect credit, as long as it is returned in time, there will be no problem. However, it should be noted that the existing handling fee is used, and there is no interest-free period, which is generally five ten thousandths of a day. It is best to control it within two months. Be sure to pay it off in full, which will not affect, but will affect the adjustment of the quota, because interest will appear when withdrawing cash. When applying for a bank, the bank should check your account details and cannot apply for penalty adjustment.