If the credit card limit is sufficient, you can swipe your card directly and apply for installment. If the credit card limit is insufficient, you can apply for an increase in the temporary limit or deposit the difference before purchasing it by credit card.

I. Cash withdrawal by credit card:

1. Credit card overdraft withdrawal:

A handling fee: it depends on the regulations of each bank. For example, the handling fee for withdrawing cash from Ping An Credit Card is 2.5%, with a minimum 25 yuan for each transaction; The credit card of CCB is charged at 0.5% of the cash withdrawal amount in China, with a minimum of 2 yuan per transaction and a maximum of 100 yuan per transaction; The credit card of China Merchants Bank is charged at 1% of the cash withdrawal amount, with a minimum of 10 yuan per transaction;

B interest: calculated at the daily interest rate of five ten thousandths.

2. Cash withdrawal from credit card overpayment: Some banks need to charge fees, while others don't. For example, the handling fee of China Merchants Bank is 0.5% of the withdrawal amount, and the minimum fee is 5 yuan RMB or US$ 65,438 +0.

Second, the credit card in the POS card consumption:

1. Repay in full and on time without interest;

2. Pay the minimum repayment amount on time, with a daily interest rate of 0.5 ‰;

3. If the repayment is overdue, besides the above interest, there will be a late payment fee.